What is an Earnest Money Deposit?

When buying a home it is important to understand each part of the process. One thing that can confuse some people is the need to pay an earnest money deposit and how that works with their downpayment.

What is an earnest money deposit? Why are you writing that check?

Simply put, earnest money is money you put out to show you're serious about making an offer. If your offer is accepted, it becomes part of your down payment. If your offer isn't accepted, it is returned to you.

This short video put out by loanDepot (a company I am not endorsing in any way, just sharing the information from) is a great, quick explanation to help you out!

Again, my sharing this video is not a suggestion to use this company, or an endorsement. When buying, do your research looking for a lender.

I do think the info in this video is very well stated and informative, however!

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5 Fights Couples Have When Buying a House

When my wife and I bought our home in the Northern Kentucky area, it was quite an experience. We had a great Realtor® with whom I am now privileged to work. I can only imagine the things he must have thought about us, showing up to look at houses with our two young boys, talking about if a room was big enough...what was that smell...why would they put the switch over here...

Ah, those were the days!

Thankfully, we didn't actually fight (that I remember) about anything considering a house. We both had a concept together of what we wanted, and a price range. And outside of those things, I didn't care as long as she was happy. No really, I didn't! As long as I could have air conditioning and hot water, I was good!

However, that is not the experience everyone has.

Today, I am actually going to share a link that will take you to Realtor.com. The article was written earlier this year by Stephanie Barth, a writer, and contributor to several publications. She took this concept of…

The Top 10: Children's Resources

There are MANY things that can be used in Children's Ministry. Even at home in a family setting, it can be overwhelming to decide what material you use, what devotion book, or even what worship resource. So, in an effort to provide you with some usable resources, I would like to offer my top 10 Children's Ministry resources. No company has paid for this endorsement in any way, these are just resources I have used in ministry and think would be helpful, either for other Children's Ministry folks, or parents at home!

10-Veggie Tales
These wonderful CGI creations sing, dance, do comedy, and provide great lessons in character that kids young and old enjoy. While the songs can be very annoying for adults, we understand that using Veggie Tales isn't about our likes, its about conveying spiritual truth to kids in a way they understand and can get it. And I also have been pleasantly surprised by the newest releases, which have been copies of classic tales (Sweet Pea Beauty…

Tips for Emergency Evacuation Planning

As I write this post, there is a lot of flooding in our area (I try to stay ahead and have posts ready to go in advance!). It's been raining for the majority of the past week across much of the area, and the ground is saturated. The rivers and streams are reaching flood stage. The news and local authorities are suggesting that people near waterways and in low-lying areas be ready to evacuate if needed.

No one wants to have to evacuate due to an emergency. Many people never consider needing to. That is a mistake.

I can remember the floods in the early 90's along the Mississippi River that caused major flooding, wiping out entire towns. My home was safe in the middle of a field, but the town where I went to school sits along whats called the Sangamon River. I remember being 10 or 11 and asking to go help fill sandbags to surround our one and only grocery store as the water crept closer and closer.

Having a plan on what to do and where to go in the event of an emergency, specifi…

The Real Estate Pastor

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