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Janice Kernel and Sherie Howard, REALTORŽ, 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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School Reports in Indianapolis, Greenwood and Center Grove, Indiana

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Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	What area in the U.S. has been referred to as the "American Riviera"?
A	Miami Beach in Biscayne Bay is Florida's pre-eminent place for "people watching" and a hot spot for celebrities.
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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!

Equal Housing MLS REALTOR

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Welcome! Find Great Buyer and Seller Information and search the Indianapolis, Greenwood, Center Grove, and Johnson County Indiana MLS here! Give Janice and Sherie a call! 317-882-4040

Welcome! Find Great Buyer and Seller Information and search the Indianapolis, Greenwood, Center Grove, and Johnson County Indiana MLS here!
Give Janice and Sherie a call! 317-882-4040