The Top Ten Ways to Winterize Your Home

10. Check & Wrap Your Pipes: Make certain that the water to your hose bibs are shut off inside your house (via a turnoff valve), and that the lines are drained. Then, the pipes you may be worried about, you can wrap them with pre-molded foam rubber sleeves or fiberglass insulation, available at hardware stores.

9. Reverse Your Fans: By reversing its direction from the summer operation, the fan will push warm air downward and force it to recirculate, keeping you more comfortable.

8. Check the Chimney: Make sure the chimney is cleaned and free from debris, the place a protective cap for your chimney, with a screen to keep out foreign objects. If you have a fireplace you should keep your chimney's damper closed when the fireplace isn't in use to keep out the cold air.

7. Check Your Windows: By taking out screens & putting up storm windows, this give you an extra layer of protection. If you do not have storm windows, a good idea would be to buy plastic sheeting that's affixed to a window’s interior with double-stick tape. A hair dryer is then used to shrink-wrap the sheeting onto the window. (It can be removed in the spring.) It is inexpensive (about $4 a window) and it's extremely effective.

6. Check Your Ducts: According to the U.S. Department of Energy, a home with central heating can lose up to 60% of its heated air before that air reaches the vents if ductwork is not well-connected and insulated, or if it must travel through unheated spaces. Check to see if there are gaps or clogs that may stop the flow of heat. You can repair gaps with a metal backed tape. It's also a good idea to vacuume out ducts once every few years, to clean out the abundant dust, animal hair and other gunk that can gather in them and cause respiratory problems.

5. Check The Furnace: It's a good idea to have furnaces cleaned and tuned annually. Throughout the winter you should change the furnace filters regularly (check them monthly). A dirty filter impedes air flow, reduces efficiency and could even cause a fire in an extreme case. Toss out the dirty fiberglass filters; reusable electrostatic or electronic filters can be washed.

4. Insulation: By adding insulation to the existing insulation in the attic, you will save money on your energy bill & keep the warmth in your home. You will need a minimum of 12 inches of insulation in your attic.

3. Clean Out Your Gutters: In order for winter's rain and melting snow to drain properly, clean gutters out removing any debris. Clogged drains can form ice dams, in which water backs up, freezes and causes water to seep into the house.

2. Stop The Drafts: One of the best ways to winterize your home is to simply block obvious leaks around your house, both inside and out. Purchase door sweeps to close spaces under exterior doors, and caulk or apply tacky rope caulk to those drafty spots. Outlet gaskets can easily be installed in electrical outlets that share a home's outer walls, where cold air often enters. For outside, seal leaks with weather-resistant caulk. For brick areas, use masonry sealer, which will better stand up to freezing and thawing.

1. Check your Batteries: Install Smoke and Carbon Monoxide Detectors
Some cities require a smoke detector in every room. Buy extra batteries and change them when daylight savings ends. Another tip would be to install a carbon monoxide detector near your furnace and/or water heater.

Stay warm and stay safe. For more energy efficient ideas you can visit http://www.energystar.gov

Our Time To Be Thankful

The story of thanksgiving history starts with the harvest celebration of the Pilgrims and the Indians that took place in the autumn of 1621. Although they did have a three-day feast in celebration of a good harvest, and the local indians did participate, this "first Thanksgiving" was not a holiday, simply a gathering. Thanksgiving can be traced back to 1863 when President Lincoln became the first president to proclaim Thanksgiving Day. The holiday has been a fixture of late November ever since.

We have been blessed as a nation and people. Let us be grateful for all that we have been given and remember those you are less fortunate. Wishing you and your family a very blessed Thanksgiving.

Tax Credit for Homebuyers

In case you haven't heard the great news, the government has extended the tax credit for first time home buyers. In a historic move they have also decided to include some current home owners in for a tax credit as well. If you have been considering a move up or sizing down or just want something new, call today at (859) 525-2624 and let me send you some homes for sale. There is no obligation and I would be happy to help you determine what your current home is worth at no charge.

First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible for the tax credit. The credit for FTHBs is 10% of the purchase price of the home, with a maximum available credit of $8,000.
Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.
Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

In order to qualify for the credit, all contracts need to be in effect no later than April 30, 2010 and close no later than June 30, 2010.

3844 Sugarberry Drive, Hebron, KY 41048 MLS#378210

This delightfully, charming home will not last long! There is definite pride in ownership here and it's visible from the inside out! This 3 bedroom home shows better than new! Features hardwood floors, cathedral ceilings, custom built-ins, playroom/study plus a new roof and a great private, level yard with storage barn! Conveniently located to shopping, interstate access, airport & restaurants! This is a definite MUST SEE!! Come take a look! Call Bob Hahn today at (859) 525-2624 to set up your appointment to view this home! Move FAST. Call right now!

WOW!! LOTS OF NEW LISTINGS!

I have listed several new listings on AMAZING homes!!! Whether you are looking for acreage or a nice home in the suberbs, I have YOUR NEW HOME here!!! Check it out!

3275 Ashby Fork Road, Petersburg, KY 41080
http://agentbob.vflyer.com/home/flyer/home/2880179

3844 Sugarberry Drive, Hebron, KY 41048
http://agentbob.vflyer.com/home/flyer/home/2904212

5 Roberts Road, Edgewood, KY 41017
http://agentbob.vflyer.com/home/flyer/home/2909053

1984 Arbor Springs Boulevard, Union, KY 41091
http://agentbob.vflyer.com/home/flyer/home/2909967

Great homes, great locations & much more! Now is the time to check out these homes before they're gone. Click on the links to view the web commercials on each property, then call me with the one YOU want to see at (859) 525-2624. What are you waiting for.....CALL TODAY!

New Listing MLS# 377949

A great new listing in Petersburg, Kentucky! Tucked far away from the maddening crowd. This traditional 2-story is located on a beautiful 12.9 acres and is surrounded by nature's beauty. The home is private and secluded! The home features 4 bedrooms, wood floors, pantry, walkout, deck, covered deck, adjoining master bathroom, walk-in closet, bonus room, 9 ft. ceiling plus MUCH MORE! Call me today for more information on this property! Don't let this one get away. Tomorrow may be too late! CALL RIGHT NOW (859) 525-2624 or link up with me on my website www.AgentBob.com

MONEY IN YOUR POCKET?

How would you like to put $8,000 in your pocket?

Now is the time to act! Be a part of the many people who are taking advantage of the government tax credit.

In order to receive this money, you must ACT NOW to be able to close on a home before the deadline of November 30, 2009. Don't wait any longer! It's much cheaper to own a home than to throw your money away on rent. You can buy a great home at a great price. Don't miss out on this amazing opportunity.

Call me today if you have any questions, you have a home that you are interested in taking a look at or there is a home you want to BUY! I'm waiting to hear from you and look forward to working with you to find the perfect home for YOU! Call me at (859) 525-2624 or send me an email at bob@bobhahn.com You can also visit my website to look at some amazing homes at http://www.agentbob.com/

UPDATE

http://agentbob.vflyer.com/home/flyer/home/2728223

Price reduction on this great home located in Villa Hills! Great location to restaurants, shopping, churches, airport, downtown Cincinnati & easy interstate access! Don't delay...ACT TODAY!

Alltech FEI World Equestrian Games Kentucky 2010

THE perfect place for your horses! This stunning 153 acres is an amazing place for a horse and cattle farm! The rolling hills of Kentucky are featured on this property as nature's beauty comes to life! The property features a 14,000 sq. ft. barn with 23 stalls, 2 apartments, 1/2 mile training track along with 9 paddocks, 4 lakes and a 100 x 50 riding arena! There are 3 houses on this property that are truly exquisite! Call today for more information!

Looking to sell?

If you are ready to sell your home, CALL ME! My mission is to provide my client with integrity, trust, and honesty. This describes my real estate services and my philosophy in life. I am a multi-million dollar producer with a proven marketing plan that will work for you. I will give you 100% throughout your entire real estate experience. What about Bob? I’m the best you’ll find! Call today! I'm ready to WORK for YOU

Listing now PENDING.

10004 Glensprings Place, Union, Kentucky 41091.

PRICE REDUCTIONS!

1958 Blue Heron, Hebron, KY 41048 at $154,900 view
http://agentbob.vflyer.com/home/flyer/home/2536155

11243 US Highway 42, Union, Kentucky!

An exquisite home with elegant amenities that reflect your success! A captivating 5 bedroom home with 8,000 sqaure feet custom built home featuring 6 car garage, exercise room, sauna, bar area, gourmet kitchen with solid surface countertops, pantry & planning desk! This home is all that you would expect & more! Nestled in nature's beauty, this glamorous home will allow you to watch the season's unfolf. The master bedroom comes complete with adjoining master bathroom with double vanity, whirlpool tub & glass block shower plus bedroom features a sitting room with wood burning fireplace! Enjoy the evening from your very own veranda with a lovely view and an inground pool! This is truly a status maker and you will enjoy your private hideaway! Call Bob Hahn today for your private showing or view the web commercial to see the lovely interior at http://agentbob.vflyer.com/home/flyer/home/2730883

11231 US Highway 42, Union, Kentucky!

When only the best will do, this home is a place fit for royalty! A stunning 4 bedroom, 6, 000 sqaure foot home & horse farm with 15.240 acres! This is your very own private retreat that features an indoor pool, 23 stall barn, 2 apartments, 100 x 50 riding arena, 1/2 mile track plus a pond for fishing! The home features ceramic tile, wall to wall carpeting, an amazing family room that is perfect for entertaining guest, large kitchen with island & seating, plus a fromal dining room & living room with wood burning fireplace! This home is a definite image maker & is brilliantly adorned with a charming covered front porch & is surrounded by nature's beauty at it's very best. Call Bob Hahn today to schedule your private showing!

To view the web commercial and see more photos of this amazing property visit http://agentbob.vflyer.com/home/flyer/home/2729273

Are you Tired of Throwing Away Money on Rent?

Many people think that they are forever stuck renting and they will never be able to buy a home. I can help you with the process and today may be the day that your dream of owning your very own home, becomes a reality. There are many simple remedies to credit issues, down payments, financing, etc. I can provide you with a list of lenders. Most homebuyers get loans through savings institutions and mortgage bankers and, to a lesser extent, from commercial banks, credit unions, or other private source. I'm ready to help! Let me help you find the American Dream of homeownership. I'm just a phone call away at (859) 525-2624 or send me an email at homesellinghero@gmail.com and let me help you find YOUR NEW HOME!!

Put a SMILE on your face!!

Here's your chance to own a wonderfully charming bungalow of your very own. This delightful home is loaded with upgrades and has newer HVAC, cabinets, carpet, windows and MUCH MORE. Located in Newport, it provides the convenience of downtown as well as insterstate access, restaurants & churches. Sit on the front porch while sipping a glass of lemonade & enjoy the peace and quiet of being located on a cul-de-sac. The kitchen features wood cabinets, pantry and solid surface counters! Home also provides a one car garage located in the back of the house! Beautiful natural woodwork throughout the home! Call me for more information or to set up an appointment to view this listing! To view the web commercial on this property, please visit the following link at http://agentbob.vflyer.com/home/flyer/home/2669822

Everyone's Welcome! OPEN HOUSE July 19th from 2-4 p.m.

http://agentbob.vflyer.com/home/flyer/home/2370454

This spectacular home is brilliantly situated on a wooded lot & is loaded with beauty! Home features front & rear staircase, sitting room, bonus room, 2-story great room, gas FP, planning desk, deck overlooking wooded yard! Pride in ownership here! This home has been beautifully maintained and is located in Cool Springs subdivision in Union, Kentucky! Home is in move in condition and all it needs is YOU! Call me for more information at (859) 525-2624 or stop in and view during the open house on July 19, 2009 from 2-4 p.m.

Energy Saving Tips for Your Home

Per The Department of Energy, they recommend that this summer, you can save money and stay cool. Keep your energy bill and your pollution output low this summer by taking a whole-house approach to cooling. In warm climates, where summertime heat gain is the main concern, look for windows with double glazing and spectrally selective coatings that reduce heat gain. If your air conditioner is old, consider purchasing a new, energy-efficient model. You could save up to 50% on your utility bill for cooling. Look for the ENERGY STAR® and EnergyGuide labels.
*Keep in mind that insulation and sealing air leaks will help your energy performance in the summertime by keeping the cool air inside.

*Plant trees or shrubs to shade air conditioning units but not to block the airflow. Place your room air conditioner on the north side of the house. A unit operating in the shade uses as much as 10% less electricity than the same one operating in the sun.

*Don't place lamps or TV sets near your air-conditioning thermostat. The thermostat senses heat from these appliances, which can cause the air conditioner to run longer than necessary.

*Consider using an interior fan in conjunction with your window air conditioner to spread the cooled air more effectively through your home without greatly increasing your power use.

*Don't set your thermostat at a colder setting than normal when you turn on your air conditioner. It will not cool your home any faster and could result in excessive cooling and, therefore, unnecessary expense.

*Set your thermostat as high as comfortably possible in the summer. The less difference between the indoor and outdoor temperatures, the lower your overall cooling bill will be.

*Whole-house fans help cool your home by pulling cool air through the house and exhausting warm air through the attic. They are effective when operated at night and when the outside air is cooler than the inside.

*During the cooling season, keep the window coverings closed during the day to prevent solar gain.

The Affordable Dream!!!

This stunning 3 bedroom home is ready for YOU! Step through the door into an open foyer with ceramic tile and walk up into a grand living room with cathedral ceilings that open up the upstairs! The eat in kitchen features ceramic tile, wood cabinets, pantry and a walkout to a deck overlooking a private yard. You'll enjoy the finished lower level with wall to wall carpeting, a perfect place to entertain guests or relax at the end of a busy day. The lower level also has a half bath, plenty of storage and walkout to a nice sized 2 car garage. Don't let this one get away!! Located in a quiet cul-de-sac, this home is a great value and pleasing to your budget! Call Bob Hahn today at (859) 525-2624 to view this property! To view interior photos of this property, please click on the following link at http://agentbob.vflyer.com/home/flyer/home/2536155

Buy An Original!

A delightfully charming home that is in move-in condition! This quaint 3 bedroom home has been loaded with updates from newer windows, HVAC, Electric service to updated bathroom and kitchen! You will love the classic beauty of the hardwood and crown molding! Tender loving care happens here and there is a definite pride in ownership! This home is peacefully surround by nature's beauty with mature trees & landscaping. The home is easy to show and shows great! It has a city view in the winter, once the leaves are not on the trees. If you have not owned a home in the past three years, you qualify for an $8,000 credit!! Call me today at (859) 525-2624 to view this timeless beauty! To view interior photos of this home, please visit the following link at http://agentbob.vflyer.com/home/flyer/home/2536098

2008 Nortern Kentucky Sales

Click on image for a larger view

Home Improvements That Won't Break The Budget.

Maybe you are not even thinking about selling your home right now. But, here are a few tips of low cost improvements that could make a difference, should you decide to sell. Keep in mind that 1st impressions are always important, so you want to make sure the entry to your home shines. As the buyer approaches the front door the last thing they want to see is an old worn door with cob webs hanging from above. Most buyers will think that if the exterior is not maintained, then there is a good chance the interior may not be much better.

The Entry Way
Painting the front door or even replacing it if it is beyond paint can make a real difference. Make your entry stand out in an appealing way but painting or replacing the front door. If you have vinyl siding and you have not cleaned it in a while mildew, dirt and grime can accumulate. Spraying it down, can surprisingly make a big difference in the appearance.

Plant Some Color
By planting some flowers around the entry, you can really make your property come alive! Choose a variety of colors that really stand out and draws attention to the beauty of the outdoors. Adding a few potted plants is a nice touch as well.

Fix Up The Baths
While remodeling a bath is one of the highest returning home improvement projects it may not be in the budget at the moment. If however, you still have your gold toilets and sinks from the 70's it may be time to let go and move on the something that 99% of the population would like better. Have a gold shower too? There are lower cost alternatives to ripping out the shower. There are specially made bath fitters that are designed to be put over a shower. New faucets are another lower cost item that can make a difference. At the moment silver/nickel is back in and brass is less popular. Changing towel ranks, toilet paper holders and shower heads are also nice touches for short money.

Paint Those Walls
Painting is one of the cheapest most effective improvements you can make in your home especially if the colors are not neutral to begin with. Even if you absolutely LOVE the colors you have chosen, most buyers may not agree with you. I know what your thinking painting is cheap...the buyer can just do it themselves. Most people think this way, however, there is a large part of the population that does not have any vision. Painting your home off white or in earth tones, is the best way to go. Remember, you are trying to appeal to the masses.

4933 Sundance Drive in Independence

This property is available for Lease! A gorgeous 4 bedroom, 2-story home located on a wooded lot! Homes offers a finished lower level with a walkout to a nice backyard! The gourmet kicthen features beautiful cabinetry, pantry and planning desk! Just off the kitchen is a fantastic morning room, a great place to unwind and do some reading or to sit and chat with a friend. Each bedroom offers a walk-in closet and the master features an adjoining master bathroom complete with double vanity, whirlpool tub and walk-in shower! Imagine leasing such a place! For more information on leasing this property, please give me a call at (859) 525-2624 and I would be more than happy to assist you in your real estate needs. You can also visit my website at www.AgentBob.com

An Offer Made On YOUR Home

In reviewing the offer, you have three options: accept, reject, or make a counteroffer. A counteroffer is a rejection of a buyer’s offer with a simultaneous offer from you to the buyer. In making your decision, carefully review the figures compiled earlier to determine your net proceeds. Because the terms and estimated closing costs may be quite different from earlier calculations, you will want to discuss the possibilities me, your realtor. You are also encouraged to seek the advice of an attorney and a tax adviser.

Seller’s Disclosure
In most residential sales, a seller will deliver a Seller’s Disclosure Notice to a buyer on or before the effective date of a contract to purchase the property. The notice is required by law to be delivered. It provides important information about the seller’s knowledge of the condition of the property. Complete the notice to your best knowledge and belief. As your realtor, I will most likely ask that you complete the notice at the time the listing is first taken. Copies of the completed notice will be made available to the prospects looking at your property.

Once you and the buyer agree on terms and sign the contract, the buyer will generally have to find a lender and apply for a loan. As your realtor, I may monitor the loan process, which could last several weeks. During this time, I will also be busy coordinating other arrangements to prepare for the final sale. I take care of my clients from beginning to the end! Should you have any questions, I would be available and willing to answer them to the best of my ability.

APRIL 26, 2009 from 2-4 p.m.

OPEN HOUSE on April 26th from 2-4 pm located at 10004 Glensprings Place, Union Kentucky in the Cool Springs subdivision across from Ryle High School! This home is truly amazing and sits on a fantastic lot! Front and rear staircase, 2-story greatroom, planning desk, bonus room, 4 bedrooms, open foyer and an amazing kitchen that the chef will adore! Plan on coming to view this beautiful home! To see more pictures on the property you can view the following link http://agentbob.vflyer.com/home/flyer/home/2370454

6193 Ridgewood Court, Florence, KY 41042

A fabulous 3 bedroom ranch that you've just gotta see! Step into this lovely home and view the wonderful hardwood in the greatroom that extends to the kitchen and breakfast area! A finished basement with wood burning fireplace is exactly what you need to unwind and relax after a busy day! You will also appreciate the walkout that opens up into a great fenced in backyard!! This home has LOTS OF UPDATES from the updated kitchen with new countertops and cabinets to the new bathrooms with new countertops and ceramic tile. Click link to connect to take a Virtual Tour and then call me, Bob Hahn at (859) 525-2624 to set up an appointment to view this listing! Don't let this slip away!

Brand New Listing

Located at 1008 Anvil Court, Florence, KY 41042. This amazing home has 4 nice size bedrooms, dining room with crown molding, beautiful sitting room and MORE!! A fabulous living room with gas fireplace, surround sound and large windows allowing the beautiful natural light to flow into the room. You will appreciate the 2nd floor laundry room with convenient access to all of the bedrooms! The master bedroom is a delightful retreat for the owner with vaulted ceilings and adjoinging master bathroom and walk-in closet!! The master bathroom features a double vanity, garden tub and step-in shower! Home comes complete with a finished lower level theater area and walkout to patio! In a great location with convenient access to the interstate, shopping and restaurants! Don't let this one get away! Call Bob Hahn to view this lovely property or visit him online at http://www.agentbob.com/

Making things happen!!

With the flowers and trees in bloom and the warming of the springtime sun, the real estate market seems to be taking off! Spring brings new life all around us and the real estate market is following suit. I am listing many new homes for sale that may be exactly what you've been looking for. If you would like to view my properties, you can go to http://www.agentbob.com/ once you are there, browse and find the perfect home for you and give me a call! I can show you any property listed on the Multiple Listings Service (MLS) and welcome the opportunity to work with you in meeting your real estate needs.

Once you begin your spring cleaning, you may realize, now is the time to sell! Call me, Bob Hahn to receive a comparitive market analysis or if you have any real estate questions. I would be more than happy to assist you and/or answer those questions! Together, we can make a real estate sale!!

In the Market to Buy a Home?

Before you begin looking at homes, you will want to determine what you can afford. That depends on three things:
* Down Payment
* Qualifying For a Loan
* Closing Costs
Down Payment: A conventional loan typically requires a down payment. It is not uncommon for buyers to place a down payment of 10 to 20 percent of the purchase price. For example, on an $80,000 home, a down payment of $8,000 to $16,000 in cash may be warranted.
Government-backed loans require 5 percent or less as a down payment. Loans insured by the Federal Housing Administration (FHA) and the Veterans Administration (VA) are particularly useful to first-time buyers.

The thing to remember is that the higher your down payment, the lower the risk you pose for the lender and therefore the lender may be able to offer you better loan terms. The higher the down payment the lower your interest expense on the mortgage will be.

Qualifying For A Loan: The key is not what you think you can afford but how much a lender calculates you can afford. Be prepared to provide the lender with a two to five year financial history that contains the following:
Income
Gross monthly income as well as employment history, education, and any secondary income such as bonuses, dividends, and child support. The lender may require a letter from your employer, W-2 forms, or, if you are self-employed, recent tax returns.
Assets
Current checking account balances, savings accounts, stocks and bonds, certificates of deposit, other property, insurance policies, and pension funds.
Credit
Debts on cars and appliances, debts on all credit cards, and history of debt repayment. Your lender may ask for a credit report, so you may want to clear up any known negative terms in advance.
I can help you determine what price range and monthly payment you can afford. The monthly payment typically consists of principal, interest, taxes and insurance – PITI, for short. The monthly payment is calculated based on the loan amount, the interest rate, the term of the loan, the costs of any insurance, and taxes. You can get an idea of what your payment will be by using this mortgage calculator.

Closing Costs
Purchasing a home involves a number of other parties and services. For example, the lender may require a survey and an appraisal to be completed. The title company will hire an attorney to prepare the conveyance document. You may want to have an inspection completed. You can expect fees for such services as appraisal, survey, inspections, hazard insurance, loan origination (lender’s administrative costs), credit report, document preparation, title search and insurance, recording fees, notary, attorney and escrow.
You will pay for some fees and the seller will pay for others. The costs will vary depending on each transaction. Most lenders will provide you with a good faith estimate of such costs. I can also help you estimate what those costs might be.

One item at closing that is often confusing to first-time buyers is points. Points are an additional amount a lender charges up front for the loan. Points are interest collected in advance. One point is 1 percent of the loan amount. Three points on a $70,000 loan amount, for example will be $2,100. By collecting points (interest) in advance, the lender actually increases his rate of return on the loan. For example, if market interest rates are at 8.5% for a 30-year loan with no points a lender might offer you an alternative loan at 8% if you pay some points.
Other Costs
One additional consideration is the other costs associated with owning a home – namely, utilities and maintenance. These costs will depend on the home you choose, but it’s a good idea to budget for them in advance.

Are You Ready For Maximum Exposure?

The key to selling fast and getting the top dollar is EXPOSURE! The more people who see your home, the sooner you will find a willing buyer. How do you get the most exposure? If you sell the home yourself, you will get some exposure by putting up a sign, running several ads, and telling all your friends. On the other hand, if you work with me, Bob Hahn, you will get instant and massive exposure to a large number of prospective homebuyers. Here’s why:
I take part in the Multiple Listing Service (MLS). This service, usually a computerized system operated by the local Association of REALTORS®, compiles information about listed properties in the area and distributes it to member companies. As a result, when I list your home, REALTORS® from other companies learn about your home and try to match it with buyers they are working with. The buyers may include people from out-of-town who are trying to relocate to your area or local buyers with specific interests.

If you are a homeowner that is tired of trying to sell your home on your own, than give me a call! I am ready to work for you, providing the best possible service and giving your home the MAXIMUM EXPOSURE it needs in order to SUCCESSFULLY SELL!!! Call me today (859) 525-2624

Amazing New Home on Market!!

Located at 10004 Glensprings Place in Union, Kentucky. This beautiful 4 bedroom home is situated beautifully on a wooded lot and comes complete with a deck overlooking nature's beauty! Enter in the foyer and take in the beauty of hardwood surrounded by upgrades throughout. A gathering room offers a touch of class as you sit to chat with a friend while the dining room features crown molding, chandelier and the convenience of the kitchen close by. To the chef's delight, you will find a nice size pantry, wood cabinets, solid surface countertops and eat-in kitchen. The kitchen island provides plenty of counter space or a place to gather friends and family! Take in the amazing 2-story great room with gas fireplace, ceiling fan, wall to wall carpeting and lovely windows at the 2nd story level to allow gorgeous natural light to filter in the room. But it doesn't stop there!!! This home features a front and rear staircase! Leading up to an amazing 2nd floor you will be in awe of a bonus room that is a great place to unwind. A great space for video games, library or office or a study space for the student in your home. Nice size bedrooms here! The master bedroom offers an wonderful space for the owner's retreat! An adjoining master bathroom with double vanity, whirlpool tub and separate walk-in shower! The beauty throught this home is truly captivating! Call Bob Hahn to view this property at (859) 525-2624 or email him for more information at bobhahn@remax.net or view the flyer for this property which includes complete photos of the interior at http://agentbob.vflyer.com/home/flyer/home/2370454

The History of St. Patrick's Day

St. Patrick's Day is celebrated on March 17, his religious feast day and the anniversary of his death in the fifth century. The Irish have observed this day as a religious holiday for over a thousand years.
On St. Patrick's Day, which falls during the Christian season of Lent, Irish families would traditionally attend church in the morning and celebrate in the afternoon. Lenten prohibitions against the consumption of meat were waived and people would dance, drink, and feast—on the traditional meal of Irish bacon and cabbage.

If You Are Ready...

I'M EXCITED TO WORK FOR YOU!!! There are ways to make your home sparkle as you prepare it to be put on the market! With spring around the corner, spring cleaning is essential.

1. Time to De-Clutter
*If you don't need it, get rid of it by either donating it, having a yard sale or throw away
*Pack up those knickknacks. Sure collections are nice, but less is more
*Clean off everything from your kitchen counters

2. Make Minor Repairs
*Patch the holes in the wall
*Fix those leaky faucets
*Paint walls to be a neutral color
*Fix doors and drawers so they open and close properly

3. Make Your House Sparkle
*Wash your windows, both inside and out
*Clean away cobwebs
*Vacuum everyday
*Re-caulk your sinks and showers
*Freshen up bath towels & worn out rugs
*Freshen up the air. Odors are a BIG turn off

4. Call ME, Bob Hahn
*Welcome the opportunity to work for you
*Will market your home for MAXIMUM exposure
*Will help you to get top dollar for your home
*Will work to provide the best possible real estate experience

Boone County PVA, increasing the value of your home?

If the Boone County Property Valuation Administration (PVA) has increased the assessed value of your home, the PVA office will send out notices informing property owners of the increase. These are typically mailed out during the month of April. If you disagree with the assessment of your property, you have the right to appeal the assessed value, but must follow certain steps, pursuant to the Kentucky Board of Tax Appeals.

Conference Procedures. You must first schedule a conference with the PVA office during the inspection period. The inspection period begins the first Monday in May and continues for the next two weeks. This inspection period will be advertised in your local newspaper (The Boone County Recorder). At the conference, the PVA or deputy will explain how the new assessment was derived. All information used to reassess the property should be presented to the property owner.
The property owner must be prepared to present evidence supporting their claim of value for the property. Examples include:
*Sales or assessment data from comparable properties
*Income and expense statements for the past accounting properties (Commercial Property)
*Any recent appraisals of the property
*Original construction cost or cost of addition or improvements to the property
*Documentation of insured value
*Asking price information if the property has been recently offered for sale

The conference is usually an informal conference and it is not necessary for the property owner to be represented by an attorney. The PVA office asks that you fill out the following form to assist you in your appeals process. Residential Comparison Worksheet
Usually, an agreement or understanding can be reached between the two parties; however, if no agreement can be reached, the property owner can file an assessment appeal with the county clerk's office.

Filing the Appeal. The PVA must keep written record of each conference held. Upon completion of the conference, the PVA office must give a copy of the written appeal to the property owner which can be used as documentation when filing the assessment appeal with the county clerk.

The property owner must obtain and complete an appeals form from the County Clerk‘s office. The appeals form requires the property owner to provide general information about the property under appeal. Also required is confirmation that a conference was held with the PVA. The property owner must state his or her opinion of the fair cash value of the property and explain why it is too high. After completion, the property owner must then file the appeals form with the County Clerk's office. The County Clerk's office will schedule a hearing and notify all property owners when and where their appeal hearing will be held.
The last date to file an appeal is one working day after the close of the inspection period. For instance, if the inspection period closes on the third Monday of May, then all appeals must be filed in the Clerk's office by the close of business on the third Tuesday in May.

Local Appeal Hearing. The Local Board of Tax Appeals is made up of three property owners that have resided in Boone County for at least five years. One member is appointed by each: Judge-Executive, Fiscal Court, and Mayor of the City of Florence. All members should be knowledgeable about real estate values in the county. They serve a three year term.

The hearings at the local level are informal. Property owners do not have to hire an attorney or professional representative; however, they can have representation if they desire to do so. Any compensated representative of a property owner must be an attorney, a certified real estate appraiser, a Kentucky licensed real estate broker, an employee of the taxpayer, or any other individual possessing a professional appraisal designation recognized by the Revenue Cabinet.
Also, the representative must present written authorization from the property owner which states the professional capacity of the representative and it must also state any personal interests the representative may have in the outcome of the appeal, including any contingency fee arrangements. If the representative is an attorney, any contingency fee does not have to be disclosed.

At the hearing, the PVA will present information in support of the assessment and the property owner must present factual evidence to support his or her claim of value.
A property owner can have a conference with the PVA without providing any documentation but an appeal will be denied if the taxpayer has been asked to present information by the PVA, Revenue Cabinet, or the board, and fails to do so. A decision will not be made immediately by the board. The property owner will be notified by Certified Mail of the board's decision.

State Board of Appeals
If the property owner is dissatisfied with the local board's ruling, an appeal can then be filed at the State level with the Kentucky Board of Tax Appeals (KBTA). An appeal to the KBTA must be submitted within 30 days from the date of the mailing of the ruling notice sent by the local board of assessment appeals.

For more information, visit http://www.kbta.ky.gov
Remember, in the appeal process the first step is to schedule a conference with the PVA office during the inspection period. This MUST be done before any further action can be taken.

Check Out the New Features!

Hey! Check out my new feature at the bottom of my blog. You'll see a link to view flyers on all of my listings! Also, I'm so excited to tell you about my listings now being on Craigslist! There you will find all of my listings and information on each one. The Northern Kentucky area is an amazing place to live and work. I welcome the opportunity to talk with you more about this! If you are looking to buy a home, sell your home or simply want more information on the area, I would be more than happy to talk with you to find out how I can meet your real estate needs. Call me TODAY!!

Maximum Exposure in Selling Your Home!

When selling your home, you want to make the most money you can. To do that, you generally have to sell fast. However, the kiey to selling fast is Maximum Exposure and getting the top dollar is a result of this exposure. The more people who see your home, the sooner you will find a willing buyer. How do you get the most exposure? If you sell the home yourself, you will get some exposure by putting up a sign, running several ads, and telling all your friends. On the other hand, if you work with a with me, BOB HAHN, you will get instant and massive exposure to a large number of prospective homebuyers. Here’s why:

As your realtor, I take part in the Multiple Listing Service (MLS), a computerized system operated by the local Association of REALTORS®, compiles information about listed properties in the area and distributes it to member companies. As a result, when I list your home, REALTORS® from other companies learn about your home and try to match it with buyers they are working with. The buyers may include people from out-of-town who are trying to relocate to your area.

Why try to do it all yourself? Let me work for you! Not only do I take part in the MLS, I also advertise all of my listings in Welcome Homes Magazine, Harmon Homes Magazine, local cable ads and Craigslist. I have buyers, who call daily looking for specific types of properties. Why not let me lead them to your home? I am excited about selling YOUR home and ready to work for YOU! Call me and let's talk about your real estate needs! I CAN SELL YOUR HOME!!!!

5 Tips for Homebuyers Seeking a Mortgage

1. Down payments are critical. Borrowers should expect to put down at least 10 percent for a “conforming loan”

2. Credit scores count. A 720 on the 850-point FICO rating scale will get a borrower access to the best rates. Rich Bira, branch manager of FCM Direct Lender in Chicago, says: "A score between 720 and 739 gets 0.125 percent added to the rate, a score between 700 and 719 gets 0.375 percent added to the rate, and a score between 680 and 699 gets 0.5 percent added to the rate.”

3. Consider VA and FHA. Borrowers without down payments or with less than stellar credit scores should consider these government-insured loans offered through the Federal Housing Administration of the Veterans Administration.

4. Unearth the records. Before applying, borrowers should organize tax, banking and other records that prove income, savings and debts. They should also expect to be patient about what may seem to be endless requests for information.

5. Get rid of debts. Limiting debts, including what borrowers expect to pay for the mortgage, to less than 43 percent of gross income is important.

Source: Chicago Tribune, Mary Umberger (02/15/09) Daily Real Estate News.