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Patrick Willis
Principal Broker, Auctioneer
Farm & Home Realty and Auction, Inc.
800-801-9945
Email us


Leitchfield Office:
334 S. Main Street
Leitchfield, KY 42754
Phone: 270-259-3276
Email: fhrabroker@gmail.com

Hardinsburg Office:
33 Tules Creek Road
Hardinsburg KY 40143
270-756-5264

Bowling Green Office
1212 Ashley Circle Suite 1
Bowling Green KY 42104
270-938-1035

Testimonials Page

Dear Mr. Willis, On behalf of Mrs. Jewell Mudd, and her family members, I would like to sincerely thank you and the whole Farm and Home Realty and Auction Team for the successful auction of Mrs. Mudd’s personal property and real estate on May 3rd, 2014. Your Team’s focused commitment, resourcefulness, and complete professionalism resulted in a very successful sale that will provide additional resources for Mrs. Mudd’s continued care for several years into the future. During the auction process, the F&H Team provided excellent advice, counsel, and consistently delivered exceptional service in our preparation for this complex sale of the real estate, home, and personal property. With four generations of the Mudd family having lived in the home, the task of preparation and sorting the belongings for sale were especially challenging. Your team members “pitched in” to close a large gap in our preparation process and thereby ensured all the property was ready for presentation and auction to the buyers. From our first business interchange, the F&H Team consistently built our confidence in your ability to manage this process and to complete a successful auction on behalf of our family. Please pass along our deepest gratitude and appreciation to John Glenn, Aaron Haycraft, Todd Akridge, James Johnson, Pamela Willis and all the other Professionals at F&H who directly contributed to this successful auction outcome. Kathlyn Mudd Thomas, May 10th, 2014
I want to give a big THANK YOU for being so professional and for selling our cabin at ironwood that was on the market for over two years and for selling our lake front lot. We had both listed with people out of Louisville and had no luck until we signed up with FHRA. No need to go out of the county we have one of the best right here. Michelle Stevenson, Bee Springs KY
I want to give a big THANKS to Farm & Home Realty and Auction Hardinsburg along with Todd Akridge and Jeff Tate and their team for all of the work they did on the auction of my Dad's Estate (Bill Taul) on Saturday, January 30. They went above and beyond and did a wonderful job!! I would definitely recommend them if you are in need of this type of service!! They were simply the best!!!! Patricia Taul, Hardinsburg KY
We recently found ourselves in the position of having to sell a lake house in Cub Run, Ky. Being from out of state, we were unfamiliar with the real estate market in that region of the country. I saw Patrick's For Sale Sign at the entry of the neighborhood and researched him on the web. He had a very professional and informative website so we decided to use him as our Realtor. He was extremely knowledgeable about the local property market. He walked us through the entire process and got the house sold quickly. He was able to be my go to person for any resources I needed in the area which was extremely helpful with me being out of state. I would highly recommend Patrick. Angie Habel, Mckinney TX
We just switched realtors and went with Pat. He is very professional, has lots of knowledge on the area, and extremely friendly. He has been very helpful in helping us to find a house. We are in the process of buying a home from Pat right now. If you find a house you like Pat doesn't waste any time at all. I would recommend him to anyone he is extremely likable. Rebecca Cottrell Client, Buyer
I had to leave the area quickly for a new job opening a thousand miles away and never really did get to get my house "ready" for the market but Pat listed it and had it sold at a satisfactory price within a month and a half keeping in touch with what was going on the whole time. No complaints and very happy with his service. Scott Nobles, Naples FL
Dear Patrick, I've written this recommendation of your work to share with others. "Excellent service and reliable and honest. Truly a fine person to work with. Year first hired: 2008 (hired more than once) Top Qualities: Great Results, Expert, High Integrity John Rich, Carlsbad California
Thank you Farm & Home Realty and Auction, Inc. Our benefit would not have been nearly as successful if not for your talents. I would definitely recommend your services for anyone who needs an auctioneer. Our daughter works for The National Crohn's and Colitis Foundation and does a lot of charitable events. She said she had never seen anyone do as good a job as your team. Mark's entire family thanks you from the bottom of our hearts. Lawrence Wilma Bates, KY
Can't thank you all enough, Pat!! It was a huge success and we are so blessed to live in a community that comes together for one of our own! Todd Bullock, KY
My family had a farm we decided to sell from my father’s estate. The house had been vacant for over a year and needed some repairs. I lived 3 hours away and worked full time. I decided to list with Pat Willis of Farm and Home Realty and Auction, Inc. After several conversations with him I found him to be very knowledgeable and very easy to talk to. I was unfamiliar with the area and local businesses. I asked Pat for recommendations on contractors. He recommended a contractor that did very good work at a fair price. He helped to facilitate the repairs so that I didn’t have to take time off work to be there. He had showings the first day it went on the market and within days we were getting serious offers. Pat and the FH Team made the whole process so simple for me. The team went well above and beyond to make this as easy as possible for my family. I very thankful for all the hard work and time that Pat and his staff put into this sale. I would definitely recommend Pat and his team to anyone that has property to sell or looking to buy a home. Steve Skaggs, Walton KY
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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.

Access and share video.

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