Business Source July - August 2018 - Page 19

PAID ADVERTISEMENT FIRST STEPS TOWARD YOUR DREAM First, unless you’re paying cash, you will need to be approved for a loan. It’s always advisable to go through the preap- proval process before you begin looking at properties, so you can act quickly and potentially enjoy a “ready-to-go” advantage over other buyers. Semonin homeownership services allow us to offer you a full-service experience, and we recommend you call HomeServices Lending LLC Mortgage Loan Officer Carol Brightwell (NMLS 527682) at 812.542.9009 to discuss taking the first steps in the preapproval process. Insuring a vacation home is different from a primary residence, and will likely be more expensive. Because you will not physically occupy your second home as frequently, it is considered at greater risk for theft, vandalism and damage you may not quickly notice. In addition, the home’s location, type of structures on the property and amenities, such as a pool 3707 Charlestown Rd., #A1 New Albany, IN 47150 812.944.9800 www.semonin.com clientcare@semonin.com or hot tub, are insurance considerations. If you can legally rent out your second home, a landlord insurance policy will be required to protect your property, too. HomeServices Kentuckiana Insurance TRUST KNOWLEDGE CARE Consultant Kelly Swanson is very knowl- edgeable about protecting various aspects of a second home and its other structures, such as storage sheds and boating docks, as well as boats and other pleasure crafts. She will work hard to help you achieve the greatest amount of coverage at the best rate. For example, if you want to purchase a site for its beautiful location and are not as concerned about insuring the actual structure, you may be able to extend liability coverage from your pri- mary residence’s policy. The luxury of owning a second home isn’t for everyone, but if you have investi- gated the costs and can afford it, we hope you will consider putting the power of Semonin Realtors® to work for you! We are the region’s largest, most respected real estate company, and our REAL- TORS® will confidently lead you through the complex process of buying your per- sonal piece of paradise. Three questions people ask when forming any type of relationship are: Can I trust you? Do you know what you are doing? Do you care about me? Trust, knowledge, and care are embedded into our company’s character. At Semonin Realtors ® , our real estate professionals are trained to be your strongest advocate during the home buying or selling journey, offering unparralled support, guidance and experience from open house to closing. Let us begin a great relationship today. The most EXPERIENCED & TRUSTED Real Estate company in the region. www.semonin.com July / August 2018 19