Kentucky real estate, answered.

It depends on the loan. Conventional loans can start around 3–5% down, FHA loans around 3.5%, and VA and USDA loans may require no down payment for eligible buyers. We’ll connect you with local lenders who can explain your options.

Buyer agent compensation is negotiable and is explained in a written buyer agreement before we tour homes together. In many transactions sellers agree to contribute toward it. We’ll walk you through exactly how it works before you commit.

Yes. We help buyers evaluate building lots and acreage — road frontage, utilities, septic suitability, zoning, restrictions and survey — so you know a property will work before you buy it.

Once your offer is accepted, closing typically takes 30–45 days depending on financing. The search itself varies — some buyers find their home in a weekend, others in a few months.

We analyze recent comparable sales, active and pending competition, your home’s condition and upgrades, and current buyer demand. You get a clear recommendation and the reasoning behind it.

Some repairs and updates pay for themselves; others don’t. During your valuation we’ll point out the improvements most likely to increase your sale price or reduce buyer objections.

Yes. We market farms, acreage, hunting land and development parcels with aerial media, detailed property data and outreach to land and equine buyers.

Costs typically include brokerage compensation, closing costs and any agreed repairs or concessions. We’ll give you a net proceeds estimate up front so there are no surprises.

Confirm legal access and road frontage, the survey and boundaries, zoning and any deed restrictions, utility availability, septic suitability (perc testing), floodplain status, easements, mineral rights and title. We help coordinate each step.

Yes, though land loans work differently than home mortgages and often require larger down payments. Farm Credit lenders, local banks and some specialty lenders offer land and farm financing; we can recommend local options.

Yes. We market hunting and recreational tracts with aerial maps and details buyers care about — cover, water, food plots, access and neighboring land use.

We help heirs understand the land’s value, options for selling as a whole or in tracts, and the timeline. Your attorney and tax advisor can guide the estate details while we handle marketing and the sale.

Woodford, Fayette, Scott and Bourbon counties form the heart of the inner Bluegrass and are home to many of the world’s most famous thoroughbred farms. Jessamine, Clark, Harrison and Franklin counties also offer excellent equine properties, often at lower prices.

A common guideline is roughly 1.5 to 2 acres of good pasture for the first horse and about an acre for each additional horse, though management practices, rotation and supplemental feeding change the math. We’ll help you evaluate each property’s capacity.

Yes. Kentucky horse farms attract national and international buyers, so we use aerial photography, video and targeted marketing to reach them.

Kentucky Land & Home is based in Georgetown and serves buyers and sellers across the Commonwealth — including Lexington, Louisville, Frankfort, Versailles, Nicholasville, Richmond, Paris, Winchester, Bowling Green, Owensboro, Covington and Elizabethtown, plus the farms and rural acreage in between.

Yes. Land is in our name. Our agents help buyers and sellers with horse farms, cattle and crop land, hunting and recreational tracts, building lots and development parcels, including the due diligence land requires: surveys, soil and septic, road frontage, utilities, zoning and easements.

Request a free home valuation. A local agent will prepare a comparative market analysis using recent sales near you, your home’s condition and current buyer demand — and walk you through a pricing and marketing plan. There’s no cost and no obligation.

Absolutely. We regularly help families moving to Kentucky for work at places like Toyota, the University of Kentucky, regional hospitals, Fort Knox and new manufacturing plants. We can tour homes by video, explain neighborhoods and commutes, and guide you through the process from out of state.

Yes. Kentucky Land & Home is a licensed Kentucky real estate brokerage with agents serving communities across the state. Our office is located at 115 N Hamilton St in downtown Georgetown.