David Hittle DBA Shop Kentucky Homes LLC - United Real Estate Louisville

09/29/2026

KACo data brief: Property tax assessments
Here in Kentucky, property values are assessed each year at fair cash value as of January 1, with a thorough inspection process occurring every four years. For 2025, the total taxable real property across the state was valued at $393.4 billion. Some properties do qualify for tax exemption, which can impact overall assessments. As someone who focuses on residential real estate in Louisville and the surrounding counties, keeping up with these valuation cycles and understanding how they affect both buyers and sellers is key to making confident decisions. Staying informed about assessments and exemptions helps ensure you’re well-prepared—whether you’re considering your first home, planning a move, or looking for an investment opportunity. My goal is always to provide clients with clear, timely insights so they can navigate the local market with confidence.

09/29/2026

A homebuyer can do a lot right and still have a transaction fall apart because of a financial decision made long before they ever started house hunting.

In this case, the problem wasn't the house.
It wasn't the inspection.
It wasn't the appraisal.
It was a loan the buyer had co-signed for someone else.

When payments on a co-signed debt become a problem, they can affect your credit and potentially your ability to qualify for financing of your own.

That's something every parent, grandparent—and really anyone who's ever been asked, “Will you co-sign for me?”—should understand before signing.

I wrote about what happened, what co-signing actually means, and what future homebuyers should know before putting their credit behind someone else's debt.

👇 Read the full story:
https://davidhittle.unitedkentuckymls.com/blog/1163/Before+You+Co-Sign+a+Loan%2C+Understand+What+It+Could+Cost+You

David Hittle
Kentucky Real Estate Specialist
Owner | Shop Kentucky Homes, LLC
United Real Estate Louisville
502-489-1135
www.shopkentuckyhomes.com

09/29/2026

🌎 “The world is a book, and those who do not travel read only one page.” — Mircea Eliade

There's something about traveling that changes your perspective.

You experience different places.
Different foods.
Different traditions.
Different ways of living.
And occasionally a completely different definition of what constitutes “on time.” 😂

But you don't necessarily have to travel halfway around the world to experience something new.

Sometimes it's exploring a town you've never visited.
Taking the back roads instead of the interstate.
Trying the little restaurant you've driven past a hundred times.
Visiting a state park, museum, historic site, festival, or neighborhood you've never taken the time to explore.

Every new place adds another page to your story.

And one of the things I've learned is that traveling can also make you appreciate home differently.

You notice what other places do well.
You bring home new ideas and experiences.
And sometimes you come back with an entirely new appreciation for the things you've always had around you.

There's a big world out there.

Go read another page. 📖🌎

Have a great Tuesday, everyone! ☀️

David Hittle
Kentucky Real Estate Specialist
Owner | Shop Kentucky Homes, LLC
United Real Estate Louisville
502.489.1135
ShopKentuckyHomes.com

09/29/2026

Headlines and social media make today’s rates sound high. But you have to remember, the rate you’re seeing online and your actual rate could be different. The only way to know what your rate could be is to talk to a trusted lender.

With the right help, you can find out what your real rate is – and where it can take you.

David Hittle, Realtor
United Real Estate Louisville
Shop Kentucky Homes
www.shopkentuckyhomes.com
[email protected]
502-489-1135

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

09/28/2026

🏡 MOVE-IN READY. NO WAITING.

Why wait to start your next chapter when 8016 Cedar Meadows Ln is ready to show you what it has to offer?

Step inside and you'll find an open main-level layout that keeps the living room, dining area and kitchen connected — whether you're entertaining friends, enjoying dinner, or simply spending time at home.

✔️ 4 Bedrooms
✔️ 2.5 Bathrooms
✔️ 2-Car Garage
✔️ 2,122 Sq. Ft. Above Grade
✔️ 936 Sq. Ft. Unfinished Walkout Basement
✔️ Corner Lot

See it. Love it. Make it yours.

📍 8016 Cedar Meadows Ln Louisville, KY 40228

📞 Call or Text David Hittle 502-489-1135
🌐 www.shopkentuckyhomes.com

David Hittle | Kentucky Real Estate Specialist
Owner, Shop Kentucky Homes, LLC
United Real Estate Louisville

09/28/2026

Discover this property for $389,900—a great opportunity that truly stands out.

09/28/2026

🏡 YOUR GOALS COME BEFORE MY COMMISSION.

Real estate agents get paid when transactions close.

That's a fact.

But that should never mean my goal becomes getting you to a closing as quickly as possible.

If you're buying and the inspection changes how you feel about the house, we need to talk about it.

If you're selling and an offer doesn't accomplish what you need, we need to evaluate it honestly.

If you're thinking about moving but staying where you are makes more sense right now, I'll tell you that too.

And if I have to spend more time, show more houses, have another conversation or wait six months before you're ready?

That's okay.

Because my job isn't to manufacture a transaction.

My job is to understand what you're trying to accomplish and represent YOUR interests while you accomplish it.

Sometimes that ends at the closing table.

Sometimes the right decision is not to move forward at all.

Either way, I want you to be able to look back and know you made the decision that was right for you.

The relationship matters more than the transaction.

David Hittle
Kentucky Real Estate Specialist
Owner | Shop Kentucky Homes, LLC
United Real Estate Louisville
502.489.1135

09/28/2026

💭 “You get in life what you have the courage to ask for.” — Oprah Winfrey

Sometimes the hardest part isn't doing the work.

It's asking.

Asking for the opportunity.
Asking for help.
Asking the question.
Asking someone to take a chance on you.
Asking for what you need.
Or simply telling someone what you're trying to accomplish.

Because asking opens you up to an answer you might not want to hear:
No.

And nobody particularly enjoys hearing that. 😂

But there's another answer you might hear:
Yes.

And you'll never know which one it could have been if you never ask.

That doesn't mean we're entitled to everything we want. We're not.

It means having enough courage to speak up, take the chance, make your intentions known, and accept whatever answer comes next.

Some opportunities won't work out.
Some doors won't open.

But occasionally, one question can change the entire direction you're headed.

Have the courage to ask.

You might be surprised by the answer.

Have a great Monday, everyone! ☀️

David Hittle
Kentucky Real Estate Specialist
Owner | Shop Kentucky Homes, LLC
United Real Estate Louisville
502.489.1135
ShopKentuckyHomes.com

09/28/2026

Does one size ever really fit all? One mortgage rate doesn't either.

You may be seeing today’s higher rates and worrying about whether it’s still worth it to buy. Here’s what you need to realize…

Mortgage rates differ just like the people who apply for loans. So, the rate you see online isn’t necessarily the one you’d get when you buy.

Your real mortgage rate is specific to your individual situation. It can be higher or lower than what you've seen or heard.

So, don’t assume the rate in the headlines is your rate. Before you decide you can't buy a home or that you should wait, find out what your real rate is. You'll know what your options are and get a map to what's possible.

And a quick conversation with a loan officer is the perfect place to start.

David Hittle, Realtor
United Real Estate Louisville
Shop Kentucky Homes
www.shopkentuckyhomes.com
[email protected]
502-489-1135

09/27/2026

Only 1.7% of Kentucky Homes Are Vacation Homes, 9th Lowest Percentage in the U.S.
Did you know vacation homes in the U.S. are on the decline? 📉 From 5.47M in 2018 to just 4.74M in 2024! Only 1.7% of Kentucky homes are vacation spots—one of the lowest in the nation. Surprised? 🏠 Tell us your thoughts! 🌴
https://www.roomvu.com/agent-news/david-hittle/2059501-Only-1.7%25-of-Kentucky-Homes-Are-Vacation-Homes%2C-9th-Lowest-P