Insurance broker marsh

I got into an accident today and I think the insurance I had was a scam now. (I bought this insurance from a instagram broker) but when I contacted him after the accident he told me to give fake info and run away telling me to deal with the repairs myself.
Am I being scammed cause the insurance email I got looked very very legit and was sent from an official email mail.
Also I was pulled over by cops and he didn’t tell me anything was wrong with my insurance as well as I called the scam bureau and they said it’s okay and I’ll be fine.
This has all left me confused

Does it usually cost more to go through one? I've never tried one before. Thanks.

https://www.roi-nj.com/2024/05/16/opinion/op-ed/data-brokers-are-undermining-countrys-safety-privacy-and-security/
Rare to see something good from Congress, but appreciate one willing to point out the hypocrisy of government support of data brokers for services like Login.gov
"These brokers don’t just have influence over the lives of everyday Americans; they are closely intertwined with the federal government and the private sector. For example, LexisNexis is part of a $34 million contract with the federal government to verify individual identities of anyone using Login.gov, the government’s single sign-on service used to access important government services at the state and federal level. Recent reporting also revealed how LexisNexis is also selling consumers’ driving data to insurers without their knowledge, which allows insurers to charge higher rates based on data such as their braking habits and trips taken. With such sprawling interests, data brokers are hard to monitor and hold accountable."

As a broker, how do you know if the people who have insurance are happy with their coverage? There are all sorts of interactions with the carrier that could cause the insured to be delighted or unhappy, and in a lot of situations they wouldn't really mention it to you the broker unless it was really bad. But I assume customer satisfaction is really important for high renewal rates.
How do you guys monitor this today? Do you use surveys?

Hello guys, today I hit the side of a car that decided to do an U turn without indicating while I was passing the stationary vehicles.
Forks are bent and I ended up having to go to A&E and getting surgery afterwards for a broken testicle, so I am right now at hospital and hopefully getting discharged tomorrow.
My insurer Swinton organised thr collection of the bike which is now safe at my place.
I was contacted by email later on by 4th dimension saying that they have been instructed by my insurer to deal with repairs and possible replacement vehicle.
In the last few days I have read horrible things about them, on the email they give me the option to not utilise their services, which I will probably do and see if there are any locar garages that my insurance broker has deals with.
I just wanted to know your opinion about this guys.
Pd: The other guy admitted that was at fault and was very reluctant to go through insurance which was very dodgy but ended exchanging details in the end, I also have 3 witnesses, only thing I regret was not calling the police but I could not think straight since I was in loads of pain and in a bit of shock.
Thank to everyone that can help

Unfortunately these aren't direct 1-to-1 comparisons but I'll try to explain the major differences. Just looking to see if I'm getting screwed on either of them, and/or which one is saving me the most money.
Our builder is giving us $15,000 to use towards buying points down or closing costs.
Estimate 1 is a 6.175% rate with a full 3 points buy down (from 6.974%)
Disregard the closing credits paid by seller and deposit to builder as these are not on the 2nd estimate but WILL BE.
Estimate 2 is a 6.375% rate with 0.80 of a point buy down (so not even a whole point buy down). If we want to, we can do a full 3 point buy down to get us a final rate of 5.875%.
The part that confuses me the most on Estimate 2 (despite the amount of times the broker tried explaining it to me) is the "Broker fees" and the "lender credits/points"
The other difference you might spot is the taxes and insurance estimates which we can disregard as they will be the same with whichever lender I use, they just estimated them differently at this point.
See any causes for concern with these 2?

I have commercial insurance on my small van. I also work as a retained firefighter. The council I work for, when claiming mileage, have requested a letter of indemnity from my insurance. This is something I would have got before on private insurance. My broker, Chill, have said 'Regarding your request for a letter of indemnity. These letters cannot be issued on commercial policies, only private.'
Does anyone have any insight? Anyone had similar or are there any insurance experts here? Thanks for any help. New insurer is KennCo.

My medical provider made an error on a visit. They sent a claim that was a doctors visit. It was a blood draw and not a doctor's visit (3rd 2nd claim for 2023). As such, HealthNet, my insurance, had 4 visits for 2023. So my 4th visit I got a bill for $550 dr visit and $150 xray.
I been trying to resolve this for about 3 weeks with HealthNet. Taking a long time because I only have so much time during the day and week to be on hold and talk to them. Also, every time I talk to someone it is someone from outside USA and we keep going in circles.
So, I had my insurance broker contact HealthNet for a list for all dr visit. They do see a possible mistake. But it will take them 30-45 days to review and give a respond.
In the meantime, I called my med provider to try to put a hold on my account and let them know that the insurnace may reprocess the claim. However, they told me that the last claim (4th), was sent to a debt collector.
My question is do I contact the debt collector and tell them the situation? I haven't received any calls/emails from them. I looked at my piles of letter and one is from them 04/2023.
Since the error is on my Medical provider and or HealthNet, will my credit be affected ?
This is my first time being in debt collections.
The $150 should I pay directly to debt collector or medical provider? If I do this will they start calling me for the $550?

Can anyone recommend a good State Farm agency in Denver? I’ve been through two agencies here. I’ve had no claims, but any time I call to adjust (in this case add more insurance) the first agency was completely unresponsive so I switched to one in my neighborhood. This new one has been unorganized to the extent he’s had my address wrong each time we’ve spoken. He also assured me this would be done in one day and that was a week ago. No follow-up or anything.
I prefer someone in north Denver, but would consider any in Denver. Alternatively, I’d consider a good insurance broker. Thanks for the help.

Hi All
I had an accident end of march and both parties exchanged numbers and agreed to go separate ways and pay for damage. I was filtering and someone drove into side of me.
Got a letter dated early May today saying they are my insurer (markerstudy) and they know my broker carol nash although my insurance policy says aviva and the car driver is claiming against me for dangerous overtaking etc
It has details of incident and both parties names and reg numbers. Says if I don't respond in 10 days from early May (10 days already gone) they will take legal action against me
Not sure what to do? Been riding over 10 years never had a claim etc, shall I call my company and act like I want to tell them about an incident eventhough it was almost 2 months ago and if they asked why I didn't before I could say I was focused on fixing my bike for work? Bit lost! I know bit stupid too
Cheers

I find myself in a unique financial situation and would like some advice.
I have listed my condo here in the Washington state, I should see about $125k in cash once the transaction settles in July.
I’ve got about $35k in cash besides that.
I am being put on a 60 day leave prior to being fully laid off on 9/12. At that point I will have an additional infusion of around $45k-$50k, and 50 weeks severances my current salary of $75k. Plus unemployment of $1000 a week.
I am relocating to the Arizona and would like to get a new home lined up and hopefully closed on, prior to me being made officially unemployed. I know I will be seen as more risky once the job ends, but I will have enough cash on hand and coming in through severance and unemployment to be able to pay my mortgage with plenty of cash leftover. This makes me feel better about taking a mortgage at this point. Plus, it shouldn’t take me too long to find a new role. Accountants are always in demand.
Can anyone point out any suggestions or things I need to consider? I will carry medical, dental and life insurance for two years through my current employer.
I’m assuming I shouldn’t tell the mortgage broker that the layoff is coming, I’ve been a remote worker for a few years so I don’t think they will question it too much. Thoughts? Hoping to put $160k-$200k down on a home around $300k.
Hate to rent too long, rent is more than my payments would be.

I was in a parking lot where the car was hit (while driving) I have gotten temporary insurance through a broker who says it's a cover note but I got the email from veygo with everything
I was pulled over by a cop he did check the insurance too
How do I make a claim now the guy who sold me the insurance is telling me to share fake details. I shared my real details and don't want to cheat anybody
What do I do now I am driving using a international license

I am not a shill. But I believe in the company. So much so that I am a repeat customer and a shareholder. No, I am not brokering deals for family...my wife and I purchased these ourselves. I've had a major medical event and decided that some of our life savings was better used improving the lives of our loved ones. So the kids and parents got new (to them) cars courtesy of Carvana. My sister in law started a home daycare and we got her an 8-passenger highlander for school pickup. The wife and I picked up a 1400 mile 2021 Miata this past March because....why not? I sold a car to them in that same transaction.
Everyone is sharing their experience, so I will share mine. My Carvana experience started with an emergency need to replace a car for my brother in Texas late 2022. I didn't want to go pound the pavement all over the Austin area. This netted us a 2013 Scion xB with 51,000 miles. The vending machine was broken that day. That was sad.
The thing for me is that I am not running all over town often dealing with sleazeball salespeople. My selections aren't limited to what is on lots in the radius I want to drive to see it. I am not arm wrestling dealers for carfaxes to analyze on the spot, haggling, or trying to get them to think I am serious wearing jeans and sandals. Yes, this was a thing at a luxury make dealer a few years ago. I bought a Ford Maverick in April for my son. For those of you that know these are hard to come by and every dealer seems to think they are entitled to 5 grand over MSRP (or more on used). This was by far the best experience because I paid less than what they were going for on the lots here and didn't have to strong arm local dealers about it. I paid the $1990 shipping and still came out ahead of what I would have paid locally.
To date:
2 cash picked up from Austin, Texas and Daly City, CA vending machines.
5 Bridgecrest financed machines delivered to my door.
Sold them my 2019 Mustang GT when I did the aforementioned Daly City pickup.
Bought 200 shares of CVNA stock in December 2022 at 3.80/share.
Delays seemed to happen in 3 places: When things were left in my court (i.e. trying to push delivery out a month so I can get on a plane to receive the car or doing the manual ACH funds verification thing versus linking my bank or calling them on the phone), when the windshield is chipped or needs replacement, and when the vehicle had open recalls. Certain US states make dealers fix the recalls before they can be resold. Carvana is kind of cagey about this. Example: Our 2023 Highlander had a recall for the front bumper. Carvana replaced the front bumper (delayed it a week) but didn't re-drill the holes for the front license plate.
One word of advice: If you are thinking about selling your car and your registration expires in the next 60 days you will need to go renew it. I am not talking about going online and paying it. They need the actual legit DMV registration renewed and DMV receipt. I learned this the hard way and had to go stand in line to get it.
I became a Progressive customer with the first one. For each subsequent ones I logged into progressive once I finalized the order, snagged insurance and had it uploaded in 30 minutes.
Bridgecrest is right up there with Toyota Financial in terms of ease of working with.
Anyway - long rant. Here for support. Enjoy your rides!

My parents and I are dealing with a slightly odd situation with their regular insurance guy. We call him Guy.
Basically my parents have gone to the same local person for many years and they have always dealt directly with him for claims and other issues. He has always answered quickly and been good at his job.
My parents run a small business and have 5 vehicles on their policy. The listed drivers should be mom. dad. brother, and their one full time employee.
Back in November the ins. reached out because apparently employee forgot to renew his lisc. Guy notified my parents that had happened and that as of that day he was not insured and we better make sure he doesn't drive the company vehicle until we get it fixed. A few days later we sent over the proof he had gone and renewed it. Guy confirmed that employee was back on their car insurance policy as of 11/16/2023. Employee had a minor fender bender on 3/30/2024. We reached out about the claim via email on 4/4, 4/10. No one was answering us. We called on 5/6 and Guy's employee said "oh send that to me I'll take care of it and email you what you need I'm not sure why you didn't get a response." we waited until 5/10 and heard nothing. Called again on 5/10 and was told claim had been opened and he would forward that IMMEDIATELY.
All calls after 5/10 were ignored and sent to VM. Emails have been ignored as well.
Called Amica directly on 5/16 and was told that no claim was open. No record of the accident has been made. And that "employee" was never added back to the policy as a covered driver. Luckily we did have emails from November stating they had added him back and he was covered. So Amica has stated over the phone they will cover the accident because the broker is considered to be their agent and we have the email proof that as far as we knew he was added back on the policy then.
Here is the issue now: Amica phone support cannot edit the policy to add "employee" as a driver. Only Guy can do that. He is still not answering calls or emails.
What is likely going on here? If we really can't get him or his small staff to answer us what do we do?

I’m just mad. I found out today that if you file a claim for water damage on your home no matter how minor and even if they payout is zero dollars, most insurance companies won’t accept you if you re-shop. My broker bound me to a new policy with a new company last month because I started renting out my property and needed a different kind of insurance. Now the new company decided to cancel because of an unacceptable claims history. I had ONE claim. I got less than 4k to repair my garage floor and bathroom. Wasn’t even enough to get the job done. And now I have to search for some obscure company to take me at some higher rate. So basically if you have insurance folks, never use it. It’s just a fee you pay monthly to use the house it doesn’t actually serve you in any way and you will only ever be penalized for making use of it.

PC
Reddit Account: FromTheInkpot
Discord Tag: jayonline
Name and House: Tessario of Lys
Age: 28
Cultural Group: Valyrian
Appearance: Taller than the average man, with slender and effeminate features. His skin is pale, his hair consists of curled white locks and his eyes are a vivid lilac. He favours black leathers with silver accents, and often adds coloured silks as sashes, belts, or capes. On the middle finger of his left hand he wears a signet ring of black steel and gold, used to seal letters from the Pearl Bank.
Trait: Marketer
Skill(s): Avaricious (e), Merchantman (e), Broker
Talent(s): Linguistics, Arithmetic, Reading People
Negative Trait(s): Sociopath (non-mechanical)
Starting Title(s): Keyholder of the Pearl Bank, Heir to the blood of Altaerys (secret)
Starting Location: Opening Event
Alternate Characters: N/A
Bio:
Born in the year 4BC, Tessario was the son of a Lyseni courtesan and a nobleman of the Old Blood who had left for the Black Walls of Volantis before he even knew of the child.
Growing up in Lys, Tessario was raised by his mother in a small manse where she would teach him lessons learnt from the courts of the free city.
Since his mother first spoke to him tales of Valyria and dragon riders, Tessario was enthralled.
His bloodline was of the forty families, from one of the few dragonlords on Lys during the 'Night of Tears', when the dragonlords had been poisoned and their dragons slain by their very hosts - the magisters. That the dragon rider had been his ancestor was his family's deepest secret and one that could have seen them killed in generations past.
The knowledge that the dragon riders of old were his very ancestors was almost too much for the young boy to keep secret. Especially now, when dragons had waged conquest on Westeros' shores so recently. But while the Targaryen's were said to wed brother to sister to keep their bond with the dragons strong, his family had not had a dragon rider in five generations. Since then his family's bloodline - the house of Altaerys, thought lost in the Doom of Valyria and the Century of Blood since, had become clouded with the Old Blood of Volantis during their occupation of Lys. And before that, diluted among the courts of Lys the Lovely, where none truly knew or at least none spoke of how much dragon blood they had. It was clear most of Lys had some. The features of silver-blond or white hair and the eyes of pale blue or shades of purple were all too common. The city was truly Valyrian. Who knew how many dragonlords' legacies his blood carried now?
Tessario, with his pure Valyrian blood and features to match, had the fiery will of his ancestors but an uncommonly pragmatic mind. As he grew, so did his keen mind, picking up his numbers and letters faster than other boys his age.
Raised in the turbulence of a city still reeling from the uprising against Volantis, Tessario learnt how violent people could be at a young age. Surrounded by the cruelties of slavery, he grew up numbed to the hardships of others.
By nine name-days he would begin visiting the Temple of Trade where he and other boys would talk with the magisters and tradesmen who congregated there. From among these wealthy and noble men of the city, he and a lucky few others, would gain apprenticeships; a position that was highly coveted in the city of Lys, where trade was considered a profession more honorable than arms.
Tessario shadowed his sponsor for three years, learning the inner workings of trade negotiations, currency exchange, and contract creation. He met several other apprentices who like him hungered for more, as well as making friends among the less prominent families of Lys all too keen to climb the social ladder. So, when his apprenticeship was over they formed a merchantile group of ambitious youths. Tessario and the others began with insurance cons and profitable arbitrage that filled their pockets and funded bigger schemes.
The war in the Stepstones came as a wondrous opportunity for the newly founded group. The members invested heavily, with some overseeing the battles themselves. Luckily the Lysene forces met up with not only those of Tyrosh, but also ships from Dorne and the Stormlands. Tessario wore armour for the first time as he sailed sellswords to the fighting, though did no more than watch in actuality. War made them rich and for the first time in his life Tessario knew what it was to wield true power. The power to make others die for your ends.
The pirate threat crumbled easily, but the true prizes were had after the fighting. Contracts for trade opened up and new ports to invest in saw the merchantile group grow faster than ever before. They hired lingering hedge knights and sellswords to protect their assets and even convinced some of the former pirate vessels to become corsairs under them.
As the Stepstones begin to flourish, the group started to look further afield for other trade routes. In 18AC, just as Dorne began to invest heavily in Sunstone, Tessario sailed to Driftmark as one of three emissaries of their group tasked with finding new avenues for profit. It was while on this mission that Tessario first met Valarr Velaryon, Lord of the Tides. Seeking a base of operations outside of Lys, Tessario negotiated plans for a bank to be built in Spicetown, profiting from the flow of trade.
Tessario broached the concept to the group telling them of the pearls found by fishermen in the pools of the island's coves and a contract for the Pearl Bank was drawn up. Tessario, as one of the two-and-twenty key holders, was now responsible for much.
Construction began in late 19AC with a main building that was reinforced with strong stone and deep vaults. Pearl farms under the control of the bank were also created, with construction of the entire project finishing before the end of 24AC. During this time the bank engaged in numerous amounts of trade, amassing a full vault, as well as funding loans to the many growing businesses of Spicetown, merchants of the free cities, and other Houses of Westeros. This includes House Massey of Stonedance, House Celtigar of Claw Isle, and many other minor houses.
Timeline:

• 4BC - Tessario is born in a Lysene manse.
• 6AC - Begins a trade apprenticeship for three years.
• 9AC - Forms a merchantile group in Lys.
• 12AC - Funds the war in the Stepstones.
• 13AC - War in the Stepstones ends.
• 18AC - Visits Driftmark as an emissary, meeting Valarr Velaryon.
• 19AC - The Pearl Bank begins construction.
• 24AC - Construction is completed.
• 25AC - Current day.

Family tree:
https://familyecho.com/?p=START&c=izpgpsokcmwmhxa6&f=478495015333730745
AC
Name and House: Somovo Saan
Age: 21
Cultural Group: Valyrian
Appearance: Piercing blue eyes shine out from dark features. Somovo has a lean build and freckled face from years of sailing the Narrow and Summer Seas. Her skin is dark and her hair falls in long brown curls down past her shoulders, the occasional braid holding beads of copper. She often wears loose shirts and wide breeches that allow her skin to breathe the salty air of the sea, while sticking to practical leather boots for moving about the deck.
She has a slender black cat named Sȳndor 'shadow' that lives on deck and prowls the bank offices while on shore.
Trait: Reaver
Skill(s): Raider, Fence, Tactician
Talent(s): Winning at Tiles, Tying knots, Swimming
Negative Trait(s): N/A
Starting Title(s): Captain of the Spice Runner
Starting Location: Opening Event
Alternate Characters: N/A
Timeline:

• 4AC - Somovo Saan is born in Lys.
• 9AC - Somovo's father, Sarthos Saan, takes her on her first voyage to Tyrosh.
• 12AC - Her father leaves to fight for the pirates in the Stepstones war.
• 13AC - After the pirates defeat in the Steptones, her father is hired by a group of merchants from Lys. Somovo meets Tessario, one of the groups founders.
• 18AC - Meets the sellsail Captain Laurei of Myr who becomes an inspiration for her to become a Captain of her own ship.
• 19AC - When the Pearl Bank begins construction on Driftmark, Somovo is on deck with her father and they patrol the Narrow Sea together, guarding trading vessels and seeking opportunities for their new employer.
• 21AC - Somovo is given command of her own ship and crew, becoming Captain of The Spice Runner, named after Spicetown.
• 22AC - Her father's ship is lost at sea during a storm near Volantis. The corsairs previously under Sarthos turn to her for leadership by virtue of her blood.
• 24AC - Construction of The Pearl Bank is completed on Driftmark.
• 25AC - Current day.

NPCs
Morio (30) - Cutthroat
Every man of ambition needs a ruthless and silent right hand.
Ser Thomas Storm (27) - Warrior
Knighted by Ser Edwell Celtigar in the Stepstones and knowing he would gain no further gold or glory, he joined the merchantile group from Lys to train their retainers and act as Captain of the Guard to Tessario.
Since then he notably won the joust at the Tourney at Aegon's Rest in 21AC.

State: Indiana
Background:
I purchased my home a little over 10 years ago. I bought the home from the original owner. No one else has lived at this home besides him (and his family) and me.
Situation:
About 6 months ago, I started to receive credit card statements from Citigroup for an individual that does not live at my address. Initially, I thought this was just some clerical error, so I discarded the statement. The statements continued to arrive, so I contacted Citi. They said they would stop sending the statement. They did not. So, I contacted them again. I also asked, how could someone open a credit card with my address when they never lived at my address. They were just as confused as I was. They promised to stop sending the statements.
I know this person's name from the credit card statements (obviously), so I attempted to contact him. None of his information is available online except his place of employment. He's a doctor. I call the hospital, and they were 0 help in getting in touch with him (not surprisingly). So, that was a dead end.
Next, I get a ticket from the Massachusetts DOT. This is for a different individual, but with the same last name. At this point, I'm concerned. So, I contact the United States Postal Inspection Service (USPIS). They mentioned that this could be a case of mail fraud, and opened a case.
Satisfied with the USPIS handling the case, I go back to living my life. Today, I receive a call from my insurance broker stating that they need to confirm that there is a new driver at my address. Guess who? Same guy.
Also, I opened a brokerage account and during the verification process, they had this individual listed as someone who was associated with my address.
Question:
What else can I do legally to have this person disassociated with my address? Are there any other risks about this situation that I should be concerned about?

My terminally I'll relative asked me to take ownership of their car. It's an old car but has sentimental value and I'm trying to respect their wish while they are still alive.
My current car insurance company does not cover cars that are older than 20 years, so I was shopping around and found another company that is willing to cover both my own car and 20 year old car from my relative.
After the getting the car through safety, which required me to pay almost half of the value of the car, the insurance company asked to get photos of the car and after reviewing the photos rejected the car due to a large dent/bump obhe front bumper. This is clearly a cosmetic damage.
I'm quite frustrated with the whole situation. The broker is saying that if I will fix the damage they might approve it, but I'm concerned that I will spend more money and they just reject it again.
Any ideas or suggestions how to move forward with this? I want to do my best to fullfil the wishes of my dying relative despite it already not being a financially sound decision.

Hi all, been in the workforce for a year now. Started my career as an Insurance Broker after graduation last year but, always wanted to get in Finance/wealth management. I recently got offered a role where I would be a Private Client Associate at a large Wealth Management firm, where to company would provide me with the opportunity to persue all licenses (SIE, Series 7, 66). And eventually grow into a wealth manager where I was told that I would manage accounts in 2-3 years since much of the office is older. My only concern is the daily commute that I would have of 1.5 hours each way. Yes, I could relocate but rent prices are crazy by the area. Has anyone had this experience of being in this role? And if wealth management isn’t for me can this role help landing other roles? Such as equity research, analyst, etc? Any advice would be appreciated. Thanks so much.

Here's a comprehensive guide for first-time homebuyers in Kentucky:
1. Loan Programs: - FHA Loans: Backed by the Federal Housing Administration, these loans offer low down payment options (as low as 3.5% of the purchase price) and flexible credit score requirements. - VA Loans: Exclusive to eligible veterans, active-duty service members, and their spouses, VA loans require no down payment and often have competitive interest rates. - USDA Loans: Aimed at rural and suburban homebuyers, USDA loans offer 100% financing and low-interest rates. Income limits apply. - KHC Loans: Offered by the Kentucky Housing Corporation, these loans come with down payment assistance and other incentives for first-time buyers.
2. Credit Score Requirements: - FHA loans typically accept credit scores as low as 580, although higher scores can lead to better rates. - VA loans are more flexible and may approve loans with lower scores, often starting around 620. - USDA loans usually require a minimum score of 640. - KHC loans have varying credit score requirements depending on the specific program.
3. Down Payment Assistance: - Kentucky offers various down payment assistance programs, especially through the KHC, which can help cover upfront costs for qualifying buyers. - FHA loans allow down payment assistance from family, employers, or nonprofit organizations.
4. Income Limits: - USDA and KHC loans have income limits based on the area and family size. Exceeding these limits may affect eligibility.
5. Property Eligibility: - USDA loans are limited to eligible rural areas defined by the USDA. - FHA, VA, and KHC loans are more flexible regarding property location but may have specific property condition requirements.
6. Mortgage Insurance: - FHA loans require both upfront and annual mortgage insurance premiums. - VA loans have a funding fee but do not require monthly mortgage insurance. - USDA loans have upfront and annual guarantee fees. - KHC loans may have mortgage insurance requirements depending on the specific program.
7. Loan Approval Process: - Pre-approval is crucial and involves a thorough review of your financial situation by a lender. - Gather necessary documents such as income statements, tax returns, and credit history for the application process. - Work with a reputable mortgage broker like Joel Lobb who specializes in Kentucky homebuyer programs for guidance and assistance throughout the process.
8. Closing Costs: - Factor in closing costs, which typically range from 2% to 5% of the home's purchase price, and may include fees for appraisal, inspection, title insurance, and more.
9. Homebuyer Education: - Consider attending homebuyer education courses offered by HUD-approved agencies. These courses provide valuable insights into the homebuying process, budgeting, and homeownership responsibilities.
10. Post-Purchase Expenses: - Plan for ongoing homeownership costs such as property taxes, homeowners insurance, maintenance, and utilities.
Navigating the homebuying process can be complex, but with the right information and support, you can make informed decisions and achieve your goal of homeownership in Kentucky.

Hi there,
I’m reaching out for my father. He works for the state and is soon retiring. The state (VA) offers their own medigap plan. However, my father has been trying to figure out the pros and cons to the state one vs ones through private insurers. So far he’s spoken to 3 brokers who have all had 3 completely different things to say. I’m just wondering if there is anyone on here who might know something about the differences.
I see that dental and vision and rx has been “bundled” into a plan for them, however, they have options for standalone/separate as well. Just trying to figure out which was to go and would love help