Indianapolis, Greenwood and Center Grove real estate and homes for sale in Indiana, corporate relocation, luxury homes - Janice Kernel and Sherie Howard, REALTORS® Janice Kernel and Sherie Howard REALTORS(r) for Indianapolis, Greenwood and Center Grove, Indiana real estate, corporate relocation, luxury homes - NUMBER1EXPERTS™ Janice Kernel and Sherie Howard NUMBER1EXPERTS(tm) for Indianapolis, Greenwood and Center Grove, Indiana real estate, corporate relocation, luxury homes
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Janice Kernel and Sherie Howard, REALTORŪ, real estate agents and broker for Indianapolis, Greenwood and Center Grove Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)
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Janice Kernel and Sherie Howard, REALTORŪ, real estate agents and broker for Indianapolis, Greenwood and Center Grove Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)


Welcome! Find Great Buyer and Seller Information and search the Indianapolis, Greenwood, Center Grove, and Johnson County Indiana MLS here!
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Looking for homes? Search everything the web has to offer including Indianapolis, Greenwood, Center Grove and Johnson County Indiana MLS Search, right here! Plus don't miss our Featured Homes. 

Need local real estate information? We've summarized much of what is important about the Indianapolis, Greenwood,Center Grove and Johnson County real estate market in this site. 

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. 

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. 

Buying and selling a home is one of the biggest events in your life. As top Indianapolis, Greenwood,Center Grove and Johnson County Indiana real estate agents, we have the experience and track record you are looking for. Please let us help. 

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Real Estate Tips
First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

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Real Estate Trivia
Q 
What took over 30,000 workmen to construct and is considered the second largest palace in the world?

A 
The Palace of Versailles, 14 miles southwest of Paris and completed in 1682, is famous for its size and its beauty.
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Janice Kernel and Sherie Howard, REALTORŪ, real estate agents and broker for Indianapolis, Greenwood and Center Grove Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Janice Kernel and Sherie Howard
Keller Williams - Indy Metro South

1644 Fry Road, Suite A
Greenwood, IN. 46142
Office: 317-882-4040
Janice's Cell: 317-696-0277
Sherie's Cell: 317-445-3891
Fax: 317-882-5959
Email: TheKernelHowardGroup@NUMBER1EXPERT.com

We are experienced agents in Indianapolis and the surrounding markets. Our areas of expertise compliment each other, which is an added benefit to you. Whether buying or selling, you will find this to be the most productive way to get your transaction to closing!

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