Your Step-by-Step Buying Process
Kim walks you through every step so there are no surprises. Here's exactly what to expect.
Get Pre-Approved
Before you start shopping, get pre-approved with a lender. Kim works with local lenders who specialize in first-time buyer programs including KHC, FHA, VA, and USDA loans.
Search for Homes
Kim sets up custom searches filtered to your budget, location, and must-haves. You'll get instant alerts when new listings hit the market in Mount Washington and Bullitt County.
Tour & Compare
Kim schedules showings around your availability, provides honest assessments of each home's pros and cons, and helps you narrow down your top choices.
Make an Offer
Kim crafts a competitive offer strategy based on market data, comparable sales, and the seller's situation. She negotiates aggressively to get you the best price and terms.
Inspection & Appraisal
Kim coordinates the home inspection, reviews the report with you, and negotiates any needed repairs. She also guides you through the appraisal process.
Close & Get Your Keys
Kim manages every detail through closing day — final walkthrough, paperwork review, and making sure everything goes smoothly. Then you get the keys to your first home!
Down Payment & Loan Programs
You may qualify for programs that significantly reduce your out-of-pocket costs. Kim connects you with lenders who specialize in these options.
KHC Down Payment AssistanceMost Popular
Kentucky Housing Corporation offers down payment assistance up to $10,000 for qualifying first-time buyers in Bullitt County. This is one of the best programs in the state — and many buyers don't even know it exists.
FHA Loans
As low as 3.5% down payment with more flexible credit requirements. Popular with first-time buyers. Requires mortgage insurance.
VA Loans
Zero down payment for eligible veterans and active military. No PMI required. Fort Knox families frequently use VA loans in the Mount Washington area.
USDA Loans
Zero down payment for eligible rural areas. Parts of Bullitt County and surrounding areas may qualify. Kim can help you determine eligibility.
Conventional Loans
As low as 3% down with strong credit. No upfront mortgage insurance with 20% down. Competitive rates for well-qualified buyers.
Why Mount Washington Is Perfect for First-Time Buyers
More home for your money, great schools, and a quick commute to Louisville — it's the smart choice.
Affordable
Median home price of $329K — more space and value than Louisville metro.
Great Schools
Bullitt County schools with strong ratings — Crossroads Elementary, Mt Washington Middle, North Bullitt High.
Easy Commute
Just 25 minutes to downtown Louisville via I-265 or US-31E.
New Construction
Active builders like Fischer Homes in Bluegrass Meadows and River Crest developments.
"As first-time buyers, we were nervous about the whole process. Kim made everything so easy — she helped us get KHC down payment assistance we didn't even know about, found us the perfect home in Mount Washington, and held our hand through every step. We couldn't have done it without her!"
— First-Time Buyers, Mount Washington, 2025
First-Time Buyer FAQs
How much do I need for a down payment in Mount Washington?
It depends on your loan type. With KHC down payment assistance, you may need as little as $0–$3,500 out of pocket. FHA loans require 3.5%, conventional as low as 3%, and VA/USDA loans offer zero down payment options. Kim connects you with lenders who specialize in first-time buyer programs.
What credit score do I need to buy a home?
FHA loans typically require a 580+ credit score (3.5% down) or 500+ with 10% down. Conventional loans usually need 620+. VA and USDA loans have flexible credit requirements. Kim's preferred lenders work with all credit situations.
How much house can I afford in Bullitt County?
A general rule: your monthly payment (including taxes and insurance) should be under 28% of your gross monthly income. With the median home price at $329K in Mount Washington, many first-time buyers can comfortably afford a home here — especially with down payment assistance.
What does Kim charge first-time buyers?
In most transactions, the buyer's agent commission is paid by the seller. Kim's services — searching, showing, negotiating, coordinating — typically cost you nothing out of pocket. She'll explain the full process during your free buyer consultation.
How long does it take to buy a home?
From pre-approval to closing, the typical timeline is 30–60 days. Getting pre-approved takes 1–3 days, home search varies (sometimes you find 'the one' on the first day!), and closing after an accepted offer takes 30–45 days.
Does Kim help with new construction homes?
Yes! Kim represents buyers purchasing new construction in Mount Washington communities like Bluegrass Meadows and River Crest. Having your own agent for new construction is essential — the builder's agent represents the builder, not you.
What should I expect at a home inspection?
A licensed inspector examines the home's structure, roof, plumbing, electrical, HVAC, and more. The inspection typically costs $300–$500 and takes 2–3 hours. Kim attends every inspection with her buyers and helps you understand the findings.
Is Mount Washington a good place for first-time buyers?
Absolutely. Mount Washington offers affordable homes ($329K median), excellent Bullitt County schools, a 25-minute commute to Louisville, growing amenities, and a strong sense of community. It's consistently ranked as one of the best Louisville suburbs for families.