Louisville Magazine

MAY 2012

Louisville Magazine is Louisville's city magazine, covering Louisville people, lifestyles, politics, sports, restaurants, entertainment and homes. Includes a monthly calendar of events.

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Special Advertising Section The Heartbeat of Home Sales After several years of home sales flatlining, the heart of Louisville's housing market may just be beating again and, possibly, even recovering. Over the last six months, trending has been positive — increased numbers in home sales have been reported, compared to prior years. Historically low interest rates are just one of the contributing factors assisting home buyers over the recent months. With the combination of low interest rates and housing prices, the home ownership affordability index is at an all time high. Of course, the home buying process is more complicated than just finding the right house at the right price. For most, it also means obtaining a mortgage loan. Chris Steiner, regional vice president of mortgage lending for Republic Bank, acknowledges that the lending process can sometimes be unnecessarily complicated: "You need an expert to assist you through the loan process. That's why Republic Bank employs highly trained Mortgage Specialists to guide customers through the journey to home ownership." The folks at Republic Bank are focused on making the lending process easy and enjoyable for their clients. How do they do this? Steiner explains: "Our Mortgage Specialists and our decision makers are local. Being a community bank with local decision makers gives us the ability to respond quickly to our clients' requests and provide the highest level of service that our clients' expect." In addition, Republic Bank offers a wide selection of products from conventional and government (FHA, VA, KHC) to jumbo loan requests. "We have a product for almost everyone who is looking to purchase or refinance their home," Steiner reports. The combination of Republic Bank's $999 closing costs program, low rates and high level of customer service have made Republic Bank one of the market leaders in mortgage lending. Recently, Republic Bank was also ranked #1 in the United States by a leading banking trade publication based on the bank's financial performance and capital. For more information on mortgage lending at Republic Bank, call 584-3600 or log onto RepublicBank.com. Chris Steiner, Republic Bank Your Living in Louisville Expert $VN PH DERXW WKH .+& +RPH %X\HU 7D[ &UHGLW; 9LVLW P\ ZHEVLWH DW YourLivingInLouisvilleExpert.com IRU GHWDLOHG LQIRUPDWLRQ RQ /RXLVYLOOH SURSHUWLHV DV ZHOO DV LQIRUPDWLRQ DERXW WKH FLW\ LQFOXGLQJ VFKRROV $JOEZ 'MZOO 1JFMB FLQG\IO\QQSLHOD#JPDLO FRP

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