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All About Homes Realty Blog

Scott Coppage


Displaying blog entries 1-10 of 24

Meade, Hardin and Breck Co. Jan to March Market

by Scott Coppage

Hi, Scott Coppage here with All About Homes Realty.  Just a quick note on the market so far in 2018.  I'm often asked if this is a good time to buy a home.  Some buyers are concerned that they will be chased out of the market due to rising home mortgage rates, while others are convinced that home prices are going to climb rapidly. 

Actually we're seeing a little of both.  Even though the Fed has promised no less than four interest rate hikes this year mortgage rates really haven’t changed much.  The biggest factor we see is availability.  We watch the numbers very closely and no matter how you slice them available homes for sale on the market are down.  In most areas... way down.  This is driving prices up as most areas are seeing a sellers market for the first time that most of us can remember.  

Sellers-  Local sales are strong and now is a great time to get your home on the market.  I always encourage my sellers to clean and paint.  Don't forget curb appeal.  Also, we have an automated system that will allow you get a good idea of how much your home is worth.  Just go to and plug in your address for an instant price based on public data.


Buyers- If you find what your looking for jump on it quick!  Expect to pay top dollar to get what you want.  Remember the seller has to sell the home twice.  Once to you and then to the appraiser.  If it doesn't appraise for what you offered our contacts allow you to renegotiate the price or exit the contract and move on to another home.  While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates while they are still available. Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.




Thanks for your time.  If we can help in anyway please feel free to contact us at 270-422-4687, or

Can You Buy a House on Disability Benefits or SSI?

by Scott Coppage

Many people in Kentucky who are on Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits wonder if buying a home is within their reach.  Many are also concerned that the mere fact of owning a home may affect their benefits going forward. The truth is that many people on SSDI and SSI benefits do qualify to buy a home. Yet as you can imagine, there are some hurtles to do so.

What are some of the challenges? Understandably, the benefits for SSI are low and it may seem almost impossible for some to save for a home while trying to make ends meet.  Those receiving SSDI benefits aren’t sure how long those benefits will last.  This makes it difficult to prove a stable income for getting a loan.

The other challenge is that SSI rules put a limit on how much income and assets you can have while receiving benefits.  So there’s a fine line between making or having enough to save for a home and retaining benefits. But the good news is that the home itself is not considered an asset, as it’s your primary residence. 

All this may make the idea of buying a home while on SSI and SSDI benefits seem almost impossible.  But it’s not. There are a number of programs that can help.  For example, Fannie Mae offers loans for people with disabilities.  Here’s some examples:

  • Fannie Mae loans for disabled individuals
  • Individual Development Account (IDA)
  • Habitat for Humanity
  • Housing and Urban Development (HUD) Homeownership Voucher Program

There may also be some nonprofits in Kentucky that can help as well.

The bottom line is that if you are on SSI or SSDI and are considering buying a home in Breckinridge, Hardin, or Meade Counties in Kentucky, give us a call at 270-422-4687 to see how we can help you find assistance.

Wake Up With the Best Coffee in Elizabethtown

by Scott Coppage

Looking for a new way to start the day in Elizabethtown? If you’re favorite way to wake up is with a hot espresso, delicious tea, or tasty pastry, then there’s a perfect coffee shop or café waiting for you to try.  If you plan on buying a home in or around Elizabethtown or just visiting, be sure to try one of these morning hot spots.

Vibe Coffee

With the highest rating on Yelp of coffee shops and café’s, Vibe is definitely the first place to try a new espresso drink, smoothie, or baked delight.  Vibe is the perfect name for this coffee shop with it’s inviting atmosphere and friendly staff. The recently renovated building reflects a rustic and industrial feel, giving it plenty of open space to relax with friends and family. Even people from as far away as Los Angeles rave about this gem of a coffee shop, saying it’s a must for any coffee lover from near or far.

The Cafe at Swope Toyota

You might not think that a car dealer would be the best place to find great coffee and desserts.  But The Café at Swope Toyota is definitely the exception. They serve everything from specialty coffee drinks to delicious desserts and ice cream.  So whether you’re coming her to have your car worked on or just want to enjoy the food, The Café is one of the best places to wake up in Elizabethtown.

Panera Bread Elizabethtown

Panera Bread is well known for serving healthy food that’s free of artificial ingredients. To start your morning, they have a great selection of freshly baked breads, bagels, breakfast sandwiches, oatmeal blends, and delicious espressos and hot drinks such as pumpkin spice lattes, hot teas, ices coffee drinks and much more.  Or try their mouth watering lunch menu items.

Great coffee is just one small reason to buy a home in Elizabethtown or Hardin County.  Visit our Hardin County Real Estate And Community Information page to learn more about Hardin County and to search for your dream home today.


5 Reasons to Work With a Local Agent

by Scott Coppage

Are you still not sure whether you want to work with a real estate agent to help you buy a home in Meade, Hardin, and Breckinridge County? The 2017 Profile of Home Buyers and Sellers was just released by the National Association of Realtors.  They surveyed recent home owners about their experiences, and an entire section was devoted to buyers. Here’s an overview of what they said about their experiences with working with a real estate agent.

Helped the buyer understand the process

60% of home buyers surveyed said that their agent helped them to understand the buying process. Their agent helped them to understand what to expect during the entire process so that there were no surprises along the way.

Pointed out unnoticed features/faults with the property

Buyers said that their agent helped them to either see possible uses for an extra bedroom or office, but they also helped them see potential disasters. Remember that most agents have been selling homes for years and know what to look for. They know what previous home buyers have done with the homes they purchased, so they can give you insight on how a home may fit your needs.  They can also find potential problems you may miss otherwise.

Negotiated better sales contract terms

Contracts are inherently complex, so it makes sense to have someone on your side who knows all the ins and outs of the terms of the contracts and will be on your side. If there are features on the home that turn out to be less than desirable, your agent can make sure contingencies are in place to help you get the best price.  They can also compare the value of the home with the local market in Kentucky to make sure the home is appropriately priced.

Provided a better list of service providers

Few professionals network better than real estate agents.  Many agents have a list of preferred vendors that they’ve worked with in the past and trust. These vendors can include mortgage professionals, home inspectors, plumbers, painters, contractors, landscapers, home stagers, and more.

Improved the buyer’s knowledge of search areas

The All About Homes Realty team are experts in the areas of Meade, Hardin, and Breckinridge Counties. Like all good real estate agents, they live and work in the community and can give you local insights, especially if you’re moving in from outside the area.

It’s clear that using a local real estate agent makes the experience of buying a home much easier and will help you find the perfect home.  Give the  All About Homes Realty team a call at 270-422-4687 to see how they can help you find the perfect home in Meade, Hardin, and Breckinridge Counties.

Meade, Breck and Hardin County Real Estate Trends in 2018

by Scott Coppage

Hi, Scott Coppage here with All About Homes Realty.


Yes, 2017 was another record setting year for local real estate sales.  The National Association of Realtors, NAR, provides great real estate data for the major markets all over the country, but what about in your backyard?

Well, you have come to the right place to find out.  Every month we talk about Real Estate issues and how the market is doing right here in your area.  Today I want to discuss how the  2017 market and what we expect in 2018. 


The first half of 2017 started out on fire with sales exceeding 20 percent over 2016 even though inventory, the number of homes available for sale, was very low compared to 2016. However, sales in the second half of 2017 slowed as market inventory continued to tighten but, we still finished slightly above 2016.  Meade County real estate sales for the year were only up about two percent above 2016 but median the sales prices appreciated a strong eight percent building equity for those looking to sell.   Our overall market sales which includes Meade County, Breckinridge County, Hardin County, Vine Grove, Rineyville, Elizabethtown and Radcliff were up by strong 12 percent over 2016.  Our market got back to normal from the great recession in 2015 and has been setting records every sense including 2017.



So what about 2018??  


Well, it's anybody's guess but all the numbers I will watch are going in the right direction for another record sales year in 2018.  Two straight quarters of three percent GDP, near four percent unemployment, strong car sales and a booming economy all tell me 2018 is going to be another record breaker.



My Advice


We all know interest rate's are still incredibly low at around four percent for most people but  there on the way up. So, if you find your dream home my advice is to jump on it.  



2017 is the first true Sellers Market that I have seen in this area in years.  Prices have appreciated eight percent over 2017 and available inventory (the competition) is still quite low. Our agents at All About Homes Realty are really working hard to find buyers the homes they want.  We have a lot more buyers then we have homes to sell them.  So sellers, in my view, you are in the perfect storm.  Low inventory, high buyer demand, and near historic low interest-rate’'s a great time to be selling.  Rates are undoubtably going up so now is the time to sale.


Find the Best Restaurants in Elizabethtown

by Scott Coppage

Back Home RestaurantAre looking for a great new place to eat in Elizabethtown? One of the many things that make Elizabethtown a great place to buy a home is all the great restaurants found here. For a city of around 29,000, there’s almost 100 restaurants just waiting to be discovered! has rated the top restaurants in Elizabethtown, as well as categorized them by restaurant type, price range, best places for lunch, and cheap eats. Here’s a few of the top restaurants in Elizabethtown for you to enjoy.

Back Home Restaurant

One of the highest rated restaurants in Elizabethtown, Back Home is a great place to enjoy the best family recipes in town.  You find a wide range of Southern delights, with appetizers such as Homestyle Onion Rings and Sweet Onion Soufflé.  Main dishes include sandwiches, burgers, along with entrees highlighting country favorites such as Chicken Fried Chicken, Open Faced Roast Beef, and Chicken Tenders.  After your meal, you can check out the gift shop and boutique where you can take home some country charm.

Texas Roadhouse

Don’t let the fact that this is a chain restaurant fool you. People rave about the great food and amazing atmosphere here and say this is the best restaurant of its kind. You can start eating the minute you sit down with unlimited hot rolls and peanuts. You’ll find all your favorite steakhouse meals, such as buffalo wings, tater skins, fried pickles, and cactus blossoms for starters.  Then dive into the main course with mouthwatering favorites such as hand-cut steaks, chicken, ribs, fish, burgers, and country favorites. There are also great choices for the little ones in your group as well, along with gluten-free options.

2B Thai

If you love Thai food, then you’re in luck.  2B Thai is also one of the highest rated restaurants in Elizabethtown.  There are a number of ways to get the right taste of your meal here.  Choose your meat, your spiciness, and your dich, or go with one of their specialties. People also enjoy the friendly and efficient staff.

Mark's Feed Store

Of course any great Kentucky city must have outstanding BBQ, and that’s exactly what you’ll find at Mark’s Feed Store. They have the best BBQ meats and baked beans in Elizabethtown, served up fast and delicious.  Come in for lunch and enjoy their BBQ sandwich lunch special, chicken fingers, sliders, honeywings, and baby back ribs. The kids won’t be left out with their selections for smaller appetites.

Of course this just scratches the surface of all the great places you can eat in Elizabethtown. And if you want to find a home for sale here, then make sure to view all the homes available in Elizabethtown.

And make sure to follow us on Facebook for regular real estate updates!

Bring in the New Year With These Fun Events

by Scott Coppage

Where has the time gone? 2017 is coming to a close in just a few days and it’s time to plan on how to bring in the new year, Kentucky style! There’s a number of great New Year’s Eve events coming up this Sunday night in Kentucky.  Get ready to party and have a great time with these events!


Come to Lake Cumberland State Resort Park for a great deal on a 4-course dinner for only $24.99, featuring Chicken cordon bleu, prime rib, shrimp scampi, and fettuccine alfredo. If you just want to skip dinner and dance, dance only tickets are available for $30 per couple.


Enjoy the clean, high energy comedic stylings of Bob Batch as he ends the year with laughter.  Then stay for music by Dave Stahl The Piano Doctor, live music and dancing.


The Woodford Reserve Distillery welcomes you to and exclusive evening of Distillery tours, live music, and amazing food. Cocktails and appetizers start at 6pm, with dinner and live music at 8pm.

Have a safe and happy new years eve and a prosperous 2018!

Don’t Get Caught In the Rental Trap

by Scott Coppage

The benefits of owning a home are fairly forthcoming. But one of the great reasons to own a home is to protect yourself from rising rental costs. It’s a situation that can lead to you being trapped.

A recent article by Apartment List addressed rising rents by stating:

“Rents are up 2.7% year-over-year at the national level. Year-over-year growth continues to fall between the 2.1% rate from this time last year and the 3.4% growth rate from October 2015. Despite the seasonal slowdown, rents are still up year-over-year in 89 of the 100 Largest cities. Over a quarter of renters, or 11.1 million households, are severely cost burdened, spending at least half their income on rental housing.”

These households are struggling just to save for paying bills along with basic necessities.

Trulia released a report that shows that owning a home is actually cheaper than renting if you have a 30-year fixed rate mortgage.

A national survey revealed that about 80% of millennial renters plan to eventually buy a house, but 72% cite affordability as their primary obstacle. One third of renters are concerned about their credit scores, while 53% said that a down payment is an obstacle.

So don’t get caught in the rental trap.  Contact us today to see if owning a home is a possibility for you and your family.  You may be surprised at the results!

What to Ask When Buying a Home

by Scott Coppage

Are you in the process of buying a home? If so, this is certainly an exciting time.  As such, many people tend to get carried away with emotions.  When that happens, you have to think even more carefully about your decisions.  And when you find what you think is the perfect home, it’s easy to overlook issues that may seem small now, but can lead to big problems and remorse down the road.

What are the most important questions to ask when buying a home? Here’s a few to consider.

Are There Any Major Issues?

Ask the current owner if they know of any issues that may cost more money in the future.  Better yet, have an independent inspection.  Finding problems now will help you decide if the home you’re interested in is really the best investment.

What Is the Home’s Market Value?

This is a big step in determining the price you’ll offer for a home.  Make sure you get an accurate analysis.  You agent can and probably will do this right away.

How Much Did the Seller Pay For the Home?

Sometimes people will buy houses to “flip” them to make a profit.  That may lead to them overpricing a home.  Find out how much they paid and compare it to the market value.

How Long Has the Home Been on the Market?

If the home has been listed for a long time, especially over a year, this could be the fault of the owner overpricing the home.  Finding out how long its been on the market will help you determine this.

Click here to find more important questions to ask when buying a home.  And always feel free to call me for expert advice.

Take a Hike in Hardin County

by Scott Coppage

If you plan on buying a home in Hardin County or live here already and you love a good hike, then you’re in the right place.  Hardin County features a great selection of hiking trails let you get take in the beauty of the area while you get a good workout. You can even see some of the history of the area while you breathe in the fresh Kentucky air.  Here are some of the best places to hike in Hardin County.

Vernon Douglas State Nature Preserve

For a more rugged hike in a beautifully forested part of the county, this trail system offers an ideal escape from the cares of life.  There’s also plenty of animals and birds to meet along the way.  You can take a spur trail to the paint known as "the pinnacle” to give you a panoramic view of the Younger Creek valley.

Saunders Springs Nature Preserve

Hike into the past in this heavily wooded area that features 3 rustic cabins from the 1800s, located on the edge of the Karst Plateau. You’ll get a good workout on this steep hike with a 200 ft elevation change in 26 acres and 11 named trails.

Freeman Lake East Trailhead

The largest city park in Elizabethtown features 7 miles of walking trails around its scenic lake, where you can also enjoy fishing and boating.

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All About Homes Realty
All About Homes Realty
2075 Bypass Rd, Ste 3A
Brandenburg KY 40108
Fax: 270-592-0002