#LiveLocal

April Fools Fest Live Music Festival Benefiting Local Veterans

812living

2 min

April Fools Fest Live Music Festival Benefiting Local Veterans

Spring is in the air, and with it comes the return of live music festivals in Southern Indiana. On April 1st, Our Lady of Perpetual Hops will host April Fools Fest, featuring six live bands and a variety of food trucks. This event promises to be a day filled with fun, while also benefiting local veterans through the organization USA Cares. Our Lady of Perpetual Hops (OLPH) is a popular venue known for its extensive selection of craft beers and live music performances. For Apr

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Breaking News: FHA Mortgages Just Got More Affordable

812living

3 min

Breaking News: FHA Mortgages Just Got More Affordable

In a recent announcement, the Department of Housing and Urban Development (HUD) has lowered the mortgage insurance premium (MIP) rate from 0.85% to 0.55% - a 30-basis point cut. This move is expected to benefit hundreds of thousands of mortgage borrowers across the United States. First, it's essential to understand what MIP is and how it works. MIP is a fee charged by the Federal Housing Administration (FHA) to borrowers who take out an FHA-insured mortgage loan. The fee is

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Our 5 Favorite New Properties Of The Week SPECIAL EDITION 3/3

812living

1 min

Our 5 Favorite New Properties Of The Week SPECIAL EDITION 3/3

Our 5 Fave Fridays are back!!! Each week we highlight 5 of our favorite properties to hit the market in Southern Indiana real estate market. [SPECIAL EDITION] This week's 5 Fave Fridays episode is a special edition where we feature 5 new construction homes by Fischer Homes. I was invited to an exclusive Realtor-only event to tour 5 new homes in Silver Creek Meadows in Charlestown. Take a look... If you would like more information, a link to more pictures, or would like to sch

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Our 5 Favorite New Properties Of The Week 2/24

812living

1 min

Our 5 Favorite New Properties Of The Week 2/24

Our 5 Fave Fridays are back!!! Each week we highlight 5 of our favorite properties to hit the market in Southern Indiana real estate market. This week we feature houses from all over southern Indiana including: -> a beautiful new construction house by RyBuilt Custom Homes -> a fixer-upper perfect for an investor ->and a new build in one of Jeffersonville's hottest new developments. Take a look at our video review of each property: If you would like more information, a link to

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New Down Payment Assistance Program For Home Buyers

812living

1 min

New Down Payment Assistance Program For Home Buyers

You want to buy a house, but you don't have enough money for the down payment. Sound familiar? Each year we talk to dozens of people who have excellent income and want to move out of renting and into a home of their own, but they lack the funds needed to get a mortgage. Recently, there have been several options pop up that offer Down Payment Assistance to buyers who qualify. One program in particular is being offered by Kentuckiana Mortgage Group. We spoke with local mortga

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Our 5 Favorite New Properties Of The Week 2/10

812living

1 min

Our 5 Favorite New Properties Of The Week 2/10

Our 5 Fave Fridays are back!!! Each week we highlight 5 of our favorite properties to hit the market in Southern Indiana real estate market. This week we feature houses from all over southern Indiana including a beautiful house on 4.5 acres in Elizabeth, an auction property opportunity in Georgetown, and one of our new Keller Williams' listings in Marysville. Take a look at our video review: If you would like more information, a link to more pictures, or would like to schedul

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Our 5 Favorite New Properties Of The Week 2/3

812living

1 min

Our 5 Favorite New Properties Of The Week 2/3

Our 5 Fave Fridays are back!!! Each week we highlight 5 of our favorite properties to hit the market in Southern Indiana real estate market. This weeks list features houses in Floyds Knobs, New Albany, Charlestown, and a nice 3-acre building lot in Clark County. Here is the rundown of our 5 favorite new property listings to hit the Southern Indiana market this week. If you would like more information, a link to more pictures, or would like to schedule an in-person visit, emai

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Our 5 Favorite New Properties Of The Week 1/27

812living

1 min

Our 5 Favorite New Properties Of The Week 1/27

Our 5 Fave Fridays are back!!! Each week we highlight 5 of our favorite properties to hit the market in Southern Indiana real estate market. This weeks list features a big house, a small house, and a potential handyman special investment property. Here is the rundown of our 5 favorite new property listings to hit the Southern Indiana market this week. If you would like more information, a link to more pictures, or would like to schedule an in-person visit, email us at 812Livi

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Adjustable Rate Mortgages Seeing A Resurgence In Interest

812living

2 min

Adjustable Rate Mortgages Seeing A Resurgence In Interest

Adjustable Rate Mortgages (ARMs) are making a comeback. But before you jump into one because of the lower rate, we want to help you understand what they are and discuss the pros and cons of an ARM compared to a fixed rate mortgage. SUMMARY: Prior to summer of 2022, mortgage rates had held at near historic lows for more than a decade. In fact data shows that the last time the national average for a 30-year fixed rate mortgage ticked above 5% was in April of 2010. Mortgage ra

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Our 5 Favorite New Houses Of The Week 1/20

812living

1 min

Our 5 Favorite New Houses Of The Week 1/20

Our 5 Fave Fridays are back!!! Each week we highlight 5 of our favorite houses to hit the market in Southern Indiana real estate market. This weeks list features a couple of recently renovated homes, a new listing in popular Plum Lake subdivision, and an auction property that includes a large pole barn and 5-acres of land. Here is the rundown of our 5 favorite new property listings to hit the Southern Indiana market this week. If you would like more information, a link to mor

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812living

1 min

Our 5 Favorite New Houses Of The Week

Our 5 Fave Fridays are back!!! Each week we will highlight 5 of our favorite houses to hit the market in Southern Indiana real estate market. This weeks list features a couple of properties with more than 1-acre of land, a property with a large poll barn, and a property for under $175,000. This week's BONUS PROPERTY is an auction house in Georgetown that could end up being a bargain for one buyer. Here is the rundown of our 5 favorite new property listings to hit the Southern

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Home Values, Mortgage Rates, & Our Predictions for 2023

812living

8 min

Home Values, Mortgage Rates, & Our Predictions for 2023

At the 812 Living Group, we track real estate data in order to spot local and national housing trends that may provide useful information to our clients during the home buying and selling process. Please note some of these trends can be attributed to seasonal patterns, national and regional economic forces, and/or issues specific to our local market. Here’s a summary of what you’ll learn in this article: ______________________________________________________________________

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Jail, Real Estate Investing, & Helping Others Succeed

812living

3 min

Jail, Real Estate Investing, & Helping Others Succeed

"Jail is better than college." Shane Garza said he lost himself in college, but found himself in jail. His time in college started off full of hope and opportunity but all that was derailed by focusing "way too much on partying." In our interview with Shane he talks about how his first two years in jail were a blur and that he simply wasted the days away waiting for the day until he could get out. But then something clicked inside of him. He realized that being in jail was

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Update On The Job Market In Kentuckiana December 2022

812living

3 min

Update On The Job Market In Kentuckiana December 2022

Turn on your favorite news channel and you're likely to hear reports of what is happening in the national economy or in places like New York, Chicago, or Los Angeles. But it isn't always easy to find economic data that is specific to our small corner of the country. At the 812 Living Group we provide regular updates to our clients regarding the local real estate market which can offer clues to the economy as a whole, but we also like to scour the internet for other sources o

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Bad Credit? You May Still Qualify For A Mortgage

812living

3 min

Bad Credit? You May Still Qualify For A Mortgage

Some say that your credit score is your passport for access into the modern financial economy. A good (higher) credit score can open doors to all kinds of financial products and loans to help you in a variety of ways financially. However a lower credit score can see you locked out of opportunities, including the ability to buy a house with credit. Over the years, the mortgage lending community has worked to develop options for individuals and couples with "bad credit" which

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Get This Special Builder Incentive While It Lasts

812living

3 min

Get This Special Builder Incentive While It Lasts

"We don't just build, we create", is a motto that Ryan Hodskins and his team at Rybuilt Custom Homes live by (and play by, apparently - see video below). Rybuilt Custom Homes has been building in Southern Indiana for nearly a decade now and they have a growing reputation from being one of the premier custom home builders in our area. Prior to meeting Ryan Hodskins several years ago, I (Mike Schoonover) was driving through a local neighborhood scouting building lots for my cl

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Expert's 'Crystal Ball' Predicts Mortgage Rates Below 5% Soon

812living

3 min

Expert's 'Crystal Ball' Predicts Mortgage Rates Below 5% Soon

Mortgage rates have been a hot topic for most of 2022. Rising rates have caused the housing market to pull back from its chaotic rise throughout the last couple of years. After topping out above 7% in early October, mortgage rates have been slowly creeping back down since then to where they reside now in late November, at a 6.65% national average for a 30-year conventional loan. Many people are wondering where mortgage rates will go in 2023 and how they will impact the real e

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Is The Southern Indiana Real Estate Market Changing?

812living

1 min

Is The Southern Indiana Real Estate Market Changing?

Our latest update is out on the Southern Indiana Real Estate Market. Much has changed from our last report. We have gone from a period of "Inventory Crisis" to what we are calling "Mortgage Rate Crisis". With mortgage rates rising from around 3% to start 2022, to over 7% in the month of October, we've seen some changes in inventory, the number of home sales, and more in our local market. Watch the video below for a preview of our November Update report with lead Realtor, Mik

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Fun Things To Do In Southern Indiana This Weekend 10/5/22

812living

2 min

Fun Things To Do In Southern Indiana This Weekend 10/5/22

Looking for something fun to do in Southern Indiana this weekend? Here are just a few of the things going on in the 812: 1. Harvest Homecoming One of Indiana's largest festivals returns in 2022. Hosted in downtown New Albany, this event features vendor booths, food trucks, live entertainment, carnival rides, and much more. Rides are open now and the booth days begin on 10/6. A link to all of the details is below. 10/5-9, Times Vary, Free Entry https://www.harvesthomecomin

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Fun Things To Do In Southern Indiana This Weekend 9/14/22

812living

2 min

Fun Things To Do In Southern Indiana This Weekend 9/14/22

Looking for something fun to do in Southern Indiana this weekend? Here are just a few of the things going on in the 812: 1. Taco Walk One of the area's most popular annual events is back in New Albany!!! Visit local shops and establishments in the downtown area and "trade your tickets for tacos". Different ticket packages are available and this event often sells out. Check the link below for full details and tickets. 9/17, 1-5pm, Tickets Required https://event.ontapticket

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