Options Realty & Consulting is not just another KY real estate company. We recognize the growing change in the way consumers want & expect real estate services to be delivered and paid for. It is our goal to stay on the leading edge of meeting that expectation. We understand that the "one size fits all" philosophy that real estate agents and brokers have operated under for years, and most still do to this day, no longer works for many consumers in today's market. We take pride in offering experienced, professional, quality services while remaining sensitive to the changing needs of our clients. Our innovative, hybrid approach to selling real estate combines the best of Discount Brokerages & Full Commission Realtors with the freedom of a For Sale By Owner. We believe that an experienced, knowledgeable agent can truly bring added value to the transaction and that is why none of our options will ever leave you on your own.

"The true value of a real estate professional is no longer found in the delivery of data and information but in the interpretation of that data & information" - unknown

Our "Protect Your Equity" programs for sellers & our "VIB - Premier Cash Back" program for buyers both hinge on us working with serious buyers and sellers. It works off of a shared risk model that will literally save our buyers & sellers thousands of dollars.

Please check out our "Seller Options" & "Buyer Options" pages for complete details.

If you still have questions, give us a call.

Office (502)732-9977

Chris D. Hembree (502)693-2334  

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Chris D. Hembree - Principal Broker/Owner
Cell Phone: 502-693-2334
Email: chris@optionsrealtyky.com

 


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Testimonials Page

Dear Chris, We can't thank you enough for all the hard work you put into selling our house. The process was very easy and a positive experience on our end. You lead us with good advise from your experience which resulted in a quick sell in a short period of time. I can't say enough but obviously would highly recommend your services to the Great People in Carrollton. S Shelton S Shelton
I gave Chris a call when my fiancé and I decided to purchase our first home. We had no clue about some of the things to look for and he was very informative and helpful. He made sure we took the time to look before we settled, and sure enough we found our dream home. He never once made us feel pressured and kept us informed all during the process. Thanks so much Chris, you are amazing. Will definitely recommend your services without hesitation! K Lawrence
We appreciated the friendliness of Chris Hembree when selling our home. He listened to us and was very helpful through the whole process. We honestly would have been lost in the process if we tried to do it alone. We are definitely going to use Chris when we are ready to buy our next home. Thanks for all your help Chris! M Snow
We just wanted to let Chris know that he exceeded all our expectations of a realtor.  He went the extra steps to find us the house we wanted.  Chris was not like any other realtor we have met. He most definitely had our interests in mind and was not out to make a quick buck by pushing us into anything. He was very patient with us and actually listened to what we wanted.  Not only does he understand real estate, but he is also very knowledgeable in construction and was able to tell us a lot about the houses we looked at and how they were built.  Chris also did a lot of research into the area of the house and taxes. He also helped us find the right financing for the house.  He stayed in contact with us and was with us every step of the way through the whole process of buying a house.  We highly recommend Chris Hembree to anyone looking for or selling a house. He is not like any other realtor we have met, more like a friend.  As long as he is in real estate he will always be our realtor. We greatly appreciate all that Chris did for us.  Thank you for everything.  James and Molly Palmer
First and foremost, I am not the type of person that normally writes reviews. However, this was such a great experience for that I can't not write one. Chris turned out to be a great realtor, a positive person, and, most importantly in this situation, a pragmatist. He always shot straight with us, let us know as soon as there was anything to report, and worked diligently under our (I'll admit it) unrealistic timelines. Here is our story as told by my wife: When the house we had always admired came on the market unexpectedly, we sent an email to inquire about the property. We are so fortunate that Chris Hembree replied. Not only did he show us the house within 24 hours, he listed ours and had it under contract within four days. Chris was very accessible to us and answered all questions timely and was very knowledgeable. It was evident that he worked very hard for us throughout the process and paid great attention to detail, always keeping our best interest in the forefront. Having used other realtors in the past as well as selling on our own, working with Chris Hembree proved to be a great decision. We would definitely hired him again and highly recommend him. jared m kelley
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Real Estate News

Latest Realty News from NAR

Can an EU Rule Impact Your Real Estate Business? It Might

What authority does the European Union have over your real estate business? That’s a tricky question, but an E.U. rule that takes effect next month could end up affecting your business in some manner. That’s because any European that comes to your web site to browse listings will be covered by what’s called the GDPR. That stands for General Data Protection Regulation and it won’t let your web site drop a cookie on a European’s computer unless you get affirmative consent. That means a box that says something like, “We use cookies. OK if we put one on your computer?,” has to pop up when someone from the European Economic Area comes to your web site. What’s more, if you process data on a European you have to be ready to delete that data if you’re requested to. That means you have to have a way to identify  that data so you can take the action requested.

As you can imagine, how the EU would enforce this is a big, unanswered question. There will probably be litigation, too. So, it’s possible it will be a while before anything actually happens that affects U.S. businesses. But there are other things to keep in mind. First, the United States might align its rules with the E.U. Second, regardless of that, many U.S. businesses might align their online privacy and security  practices with the E.U. model, regardless of enforcement. That means you’ll probably see more U.S. companies asking for affirmative consent when anyone comes to their web sites. Third, there could be alignment with European rules on data processing, too.

This is all speculation. The rule is real but it’s actual impact here can’t be fully known yet. But you can see where things are heading and it’s not a bad idea to take steps to be prepared for however things shake out.

NAR will be hosting a Facebook Live webcast next week, on Tuesday, April 24, at 1 p.m., Central time (2 p.m., Eastern time) to walk you through what’s happening and what you might do to be ready. The presenters will be Finley Maxson, NAR senior counsel, and Liz Sturrock, NAR vice president of information technology. They’ll be talking with Meg White, managing editor of REALTOR® Magazine.

You’re encouraged to ask questions. Here’s more information on the event: EU Privacy Rule: Are You Impacted?

How Suburbanization Impacts Rural Home Loans

Federally backed home loans from the Rural Housing Service have been called one of the the government’s best kept secrets because buyers can get safe, affordable mortgage financing in areas where few other loan options are available. The underwriting requirements are considered both strong and reasonable, and, maybe most important, homes that wouldn’t be eligible for loans by conventional lenders are often eligible under the federal program. That’s because RHS recognizes that in rural areas, houses are not always built to meet the needs of suburban or urban buyers. The agency’s old name—Farmers Home Administration (FmHA)—says a lot about where the agency is coming from.

That’s why it’s significant that the U.S. Department of Agriculture, which oversees RHS, undertook a reassessment of what constitutes a rural area. That assessment was just completed and in about two months—June 4—a new map of rural areas takes affect. When it does, some areas that used to be considered rural are no longer considered that. One example is Ashburn, Va. Like so many areas in Northern Virginia, it’s being swallowed up by the D.C. metropolitan area. It’s now another suburb.

That means households who might struggle to get financing to buy a home can no longer count on direct or guaranteed loans from RHS. They’ll have to find conventional financing or maybe try FHA.

The good news for buyers in many of these new suburbs is their choice in lenders has probably increased along with the area’s population. In other words, maybe RHS is less needed now, because conventional lenders have moved in to take advantage of the area’s growth. But every area is different. There are probably a number of areas where the choice in lenders hasn’t kept up with growth, so the RHS loans will be missed.

In any case, it makes sense to learn if your area has been affected. The latest Voice for Real Estate news video from NAR talks about this and walks you through how you can see the status of your area.

The video also looks at some things FEMA is doing to encourage growth in private flood insurance options. Thanks in large part to a new consumer advocate in the Federal Emergency Management Agency, the agency said it will allow homeowners to drop their federal coverage and get private coverage instead without incurring any penalty. Prior to this change, you couldn’t do that. You had to keep your federal coverage even if you found cheaper or better private coverage. That consumer advocate, by the way, is there in large part thanks to NAR, which made sure it was part of flood insurance reform legislation that passed a few years ago. We’re now seeing the benefits of that.

In another change, insurance companies that offer the federal coverage can now also offer a private alternative. Again, that wasn’t allowed before. There are a few more improvements like that. The video walks you through them.

Also in the video is an update on competition in the real estate industry. You might recall that it was 10 years ago that NAR and the U.S. Department of Justice entered into an agreement to make sure virtual office websites (VOWs) are treated the same as brick and mortar brokerages in obtaining MLS data to share with people. That agreement expires later this year and the first of two workshops was held in Washington looking at the state of competition today. NAR Associate General Counsel Ralph Holmen (retired) participated in that workshop and made the point that the VOW business model wasn’t a big part of the market 10 years ago and is even smaller today, in part because it involves creating a client relationship with people who want to look at listings on your site. For many brokerages, it’s easier just to offer up listings without having to set up that client relationship first. NAR has said it doesn’t plan to change its VOW policy when that DOJ agreement expires.

The video also excerpts from the NAR Broker Summit that was held in Nashville earlier this month and also introduces a monthly video series NAR is launching for the year, Fair Housing Focus. The video is part of NAR’s recognition of the 50-year anniversary of the Fair Housing Act.

Access and share video.

 

 

 

Infrastructure Improvement Means Real Estate Activity

When the Trump administration released its $1.5 trillion infrastructure plan last month, it set in motion a multi-year process that could eventually lead to considerable investment in communities. Of course, Congress must pass legislation to make much of it happen. Although there are some parts that the administration can do on its own, a lot of the plan will require both authorizing and funding legislation, so how close we get to that $1.5 trillion goal is dependent on what lawmakers can agree on in the next year or two.

Regardless, with the country’s roads, bridges, waterways, dams, and other public projects aging, some projects will be getting funds in the years ahead whether or not the plan is all or partly enacted. The question for you is, how will you get involved? Will you get involved upfront, when projects are in the planning stages, or will you get involved after projects get going? Often, bridge replacement means land transactions, because it’s not unusual for a replacement bridge to be built alongside the existing bridge. That means government might have to acquire or condemn nearby property. Or if a road is widened—will that involve acquisition or condemnation of land?

Property values tend to go up after infrastructure improvements are made. In northern Virginia, expansion of the metropolitan subway system had a tremendous impact on property values along the new tracks. Huge condo, apartment, retail, office, and mixed-use projects followed. It triggered a real estate boom.

The administration’s infrastructure plan is featured in the latest Voice for Real Estate news video from NAR. Access that segment now.

The video also looks at why NAR supports the banking reform bill that passed the Senate a couple of weeks ago, why passage of long-term reform of federal flood insurance is just as much about improving communities as it is about continuation of insurance policies, and why Congress needs to make mortgage debt forgiveness relief a permanent part of the tax code. Cyber crime and association health plans are covered, too.

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