Exceptional location inside New Circle, close to hospitals, downtown and U.K. Cottage style cape cod with updates including tile floors, refaced cabinets, & brick faux splash back in kitchen. Nice hardwoods, fireplace, and triple window in Living Room. Dining Room has chair railing and smooth ceiling. Breakfast nook presently used as home office. Outbuilding used as art studio and gardening room with private deck in back. Separate Laundry room has built in shelves for additional storage. Adorable home with new roof, 3 attic areas, newly painted exterior and new gutter. Charming shutters and 2 inch blinds. Shady backyard with privacy fence and nice brick patio perfect for outdoor entertaining. Located on low traffic no outlet road.

Nice Ranch with wonderful flat fenced back yard with privacy fence. Kitchen has pergo flooring and newer appliances including flat top stove. Separate utility area with additional cabinets. Updated bath with tub enclosure, newer vanity and tiled floor. Nice flow with 3 bedrooms. Convenient to UK, downtown and shopping.

Wonderful Danbury Plan with upgrades. Neutral walls, maple cabinets and large loft. Open floor plan with large bedrooms. Cool kitchen with lots of cabinets, bar area, stainless appliances, great work space and windowed eating area. Seller added 2 blinds and nice landscaping. Move in condition with nice flat back yard.

Open floor plan with new tile, new carpet, new paint, and new counter tops. Kitchen bar as well as windowed breakfast nook. Dramatic natural stone slate wood burning fireplace. Plant shelves give great dimension to this plan. Large master bedroom with walk in closet. Covered patio and privacy fenced yard.

Beautiful piece of land of 7 gently rolling acres only 15 minutes from Lexington 10 to 15 minutes to I-75. One home per lot minimum 2000 square feet. Super space for home, barn and horses. All additional buildings must be located behind residence or 600 feet from the road. Diamond location-Road frontage 260 square feet!

Nice sized home in excellent area with Mature Trees, Apple and Pear trees as well. Fenced back yard with shed. Kitchen has been redone with new cabinets, stove and microwave. Two fireplaces with some hardwoods and tile. Updated carpet, nice sized rooms. Home Warranty in place till 2-2011.

Charming bungalow nestled in mature treed neighborhood. Close to UK and Downtown. Super location in quiet cul-de-sac. Nice owner's suite with walk in closet, bath and office area. Great Room has gleaming hardwood floors. Large eat in kitchen with plenty of cabinet space. Quaint covered porch overlooks flat fenced rear yard. Oversized garage with work bench area. Per owner:low utility costs; Electric average is approx. $35/month and gas average is approx. $42/month. Updates include new windows, new HVAC and new water heater. Great buy in this special location.

New price! Ready for move-in! You will love the views and amenities of this town home. Updated throughout there is nothing left to do! Fresh paint, new carpet and flooring throughout, cleaned from top to bottom and so much more. With sweeping views of the park and a patio and balcony you feel like you have the privacy and space yoou want. Curl up next to the cozy fireplace on a cold winters night. You will enjoy having a office or den area off the great room and a separate dining room. With two good sized bedrooms and 2 full baths on the upper level you can't go wrong. Hate scraping your car windows then park in your private garage perfect for storage or off street parking. Call today for a private viewing.

Prime business location off Nicholasville Road. Three separate entrances make it easy to subdivide space. Second floor unit with elevator access or multiple staircases. Handicapped accessible. Tastefully decorated and divided into multiple office spaces with conference rooms, lobby area and reception area. Flexible space. Can be used as business. Space can be subdivided. Can be leased at 11.00 per sq ft plus 3.75 CAM. If fit-up is needed sq ft price will be adjusted accordingly.

The premier 5 acre development in Jessamine County! Breath taking views, tons of trees and some lots with ponds still available. Chadamere is 70% sold out so hurry to see today. Corner treed lot with potentioal side entry garage off of Tucker Lane.

Interest rates are still at historic lows.  As rates start to rise this will make the cost of buying a home even higher.  Now is the time to speak to a lender and see how much money buying now will save you.  Don't forget the tax credit for first time home buyers and those that have not owned a home for the past three years!

Call today and let us show you how we can help.

The new stimulus package is offering a tax credit (not a loan like the 2008 package) of $8,000 to any eligible buyer that is a first time home buyer or has not owned a home in the last three years.  There are some income limits and you should consult with a tax attorney before any major purchase but what better time to buy than now?

If you'd like any information on buying a home or the new tax credit, give us a call today and we'd love to help.  You can reach The Melinda Duncan Team at 859-422-2035.

With all the efforts of the government your best bet is always to contact your lender and try to work out an affordable payment schedule or refinancing with better terms but sometimes neither is possible.  If you find yourself in this situation, let us help you.  We will market your property and once we get an accepted offer we will negotiate on your behalf with your lender to take less than the amount owed on the loan but releasing the lien and therefore releasing you from your burden.

First and foremost don't wait until you get a foreclosure warning.  The quicker we start the quicker a resolution.  Make sure you get an up to date payoff on any and all mortgages on the property.  Sellers are often shocked and surprised by the fees and penalties that quickly add up.

Call The Melinda Duncan Team and let us show you how we can help you.  We offer a complimentary consultation and we will keep your business private.  You can reach us at 859-422-2035.

Secondly, as you may have heard the government has taken over Freddie Mac and Fannie Mae.  With the government controlling these entities it has once again instilled confidence in lending.   With this take over mortgage interest rates have dropped significantly.  This should spur some action in the real estate market.  According to many lenders rates should stay down in the 5 to 6 point range for some time.

This is a great time to buy if you have been contemplating it and waiting for the right time.  Please give The Melinda Duncan Team a call at 859-422-2035 if you have any questions.

I have got a beautiful historic home in the much desired area of Lexington.  Walk to work at the hospitals, University of Kentucky, and a short drive to downtown.  Please check out our listing at 1623 Nicholasville Rd.

Welcome to this beautiful historic home. You are welcomed into the home by a southern style covered front porch, perfect for sipping lemonade and watching the kids play on the huge front lawn. Offering all the charm and character of days gone by with the amenities of today you will love all it has to offer. This over sized shaded lot has a fully fenced private backyard with a two level slate patio. The home offers large rooms with gleaming hardwoods and updated baths. It also has a walk up attic with heating and air making it easily finished for extra square footage. The family will enjoy the partially finished basement with a warm and cozy fireplace. The kitchen offers todays conveniences with touches of the past in its built in butlers pantry and rounded doorway. Walk to work at Central Baptist or UK.

For more information give us a call at 85-422-2035 and we will be happy to give you a private tour.

Although we are not seeing the appreciation as we did over the last five years, Lexington stills offers a great investment opportunity.

Let us show you how a home purchase is one the purchases you can make.  It will likely be one of the best investment choices you make.

As a homeowner facing these terrible situations you must realize that it doesn't make you a bad person or fiscally irresponsible.  Loans were given to buyers that should have never been made and now those borrowers are facing a situation they never thought they'd see.

With foreclosure you not only face a loss of pride and your home but also your financial future.  In order to avoid this you must act quickly.  Call the lender and see if you can refinance to get out from under the variable rate or higher interest rate you may have taken.  Contrary to belief, lenders do not want to take your home.  This ties up money they could be lending and puts them in the position of becoming a seller themselves.

By employing a Realtor to help you sell your home before foreclosure proceedings begin you may be able avoid the inevitable.  Most lenders are willing to work with a Realtor on your behalf to come up with an amount they are willing to take to relieve you of your debt to them and your house.  This is called a "short sale".  By acting quickly you give yourself the time needed to sell and can stay in the home usually till the transaction is complete. 

The lender will notify you several times before the foreclosure filing.  When you determine that there is no way out give us a call.  We can help and are awaiting your call.  Please give us a call at 859-422-2035 if this sounds like something that may help you or you just want more information.

First, many sellers make the mistake of not having their home ready to sell.  Before selling your home you need to get rid of all the excess "stuff" crowding potential living space.  As much as you admire your knick knacks most buyers don't.  You need to present a generic home ready to personalize to their taste.  Sellers may also want to consider having a professional "stager".  For as little as $300 this professional will use your things, their things or a little of both to present your home in the best light.

Secondly, not taking the first offer.  No matter what you think the house is worth, what it was appraised for or what you owe on it, it is only worth what the market is willing to pay.  Many sellers overlook the first offer especially if it comes quick thinking there must be more on the way.  Two years later you may still be waiting.

Small price reductions don't help much unless they lower your price to a new range.  It is better to position yourself 10% under the market you are competing with and be the first choice by price alone.  Offering a buying incentive is also a good way to put your home above the rest.  A lot of buyers are asking sellers to pay closing costs or provide home warranties so why not offer it in the beginning?

Hire the right broker.  Make sure the broker you choose can get your house on the web where it can be seen by millions more buyers.  Buyers today are INTERNET savvy and want to first shop on the web.  Your house will be missed if it's not there.

If you need anymore information on this topic or would like to discuss selling or buying a house please contact The Melinda Duncan Team at melinda@melindaduncan.com.

If you are a buyer and all you hear is real estate prices are going down, why would you want to invest your money there?  As a seller, you hear prices are falling and you think why sell if I'm going to lose money.  This only exacerbates the problem and makes the predictions come true.

First time home buyers will never go away.  Those buyers add to their family and they become move up buyers and a seller.  There are also those people forced to move due to a change in life or job.  The main area of slowing sales are those people moving to a larger or more luxurious home just because they can.

Real estate is still a great investment in most areas of the US.  Those people that lived through the 70's and 80's real estate market know that this too will change.

If you find yourself in need of a real estate professional that can help you find your dream home or sell that property in the least amount of time for the most money with the least hassle, call The Melinda Duncan Team at 859-422-2035 or email us at melinda@melindaduncan.com.

First of all, take a look around the property as if you are the buyer.  Forget that you love this house or that your babies have grown up in it or you spent $20,000 adding that custom deck.  From the front door back critique the house with objective eyes.  Does the front door needed paint or those flower boxes replanted?  As you go through make a list of all the things you meant to do but just didn't get around to.

"Cleanliness is next to Godliness" or so they say.  But this is so true in marketing your home.  Don't just burn candles or kill them with potpourri.  Actually clean the house till it smells fresh.  Nowadays you can find a good cleaning crew to give it the once over and you will be glad you did.

Pack away all the knick knacks.  You do not need to "decorate" the house for the buyer.  Chances are your taste and theirs are very different.  Clear off all the counters of anything unnecessary.  Pack away the toys and the dreadful stuffed animals.

Lastly clean up the yard.  Trim the bushes and rake the leaves.  The yard is the first and last impression a buyer has, don't you want it to be a good one?

For a complete list of "Getting your home ready to sell", please call The Melinda Duncan Team at 859-422-2035 or email at melinda@melindaduncan.com .