Ameroy Cotton NMLS 2264774

Ameroy Cotton NMLS 2264774 FHA, Conventional. NMLS: 2264774 KY: MC774665

Ruoff Mortgage

Apply online anytime:
www.ameroy.com

USDA, VA Mortgages and Refinances
Junior Mortgage Banker
Licensed in Kentucky, Tennessee, and Florida (NMLS 2264774, KY MC774665)
Atlantic Bay Mortgage Group NMLS #72043
www.nmlsconsumeraccess.org
Equal Opportunity Lender

It's back-to-school season, but for some families it's actually "back under our roof" season. More people are buying mul...
09/08/2026

It's back-to-school season, but for some families it's actually "back under our roof" season.
More people are buying multigenerational homes than ever, whether it's adult kids returning, parents moving in, or everyone deciding one mortgage beats three rent checks.
We broke down what actually matters when you're buying a house for more than one generation.
https://myoc.io/ameroy/b0kb8



NMLS # 2264774

Rates may be trending higher, but serious buyers could have more room to negotiate, ask for seller concessions, and avoi...
09/04/2026

Rates may be trending higher, but serious buyers could have more room to negotiate, ask for seller concessions, and avoid some of the bidding-war pressure we saw in lower-rate markets.

Don't think "the perfect rate," think "the right monthly payment." I can help - DM and let's start the conversation!



NMLS # 2264774

If you're waiting for rates to drop but want to buy a home this year, it's time to talk. Rates are just one part of a lo...
08/28/2026

If you're waiting for rates to drop but want to buy a home this year, it's time to talk. Rates are just one part of a loan. We can look at other options for getting you a comfortable monthly payment. You might be surprised! DM or call me to find out.



NMLS # 2264774

It was Property Tax, in the Escrow Account, with your Insurance Premium. Case closed on why your payment looks the way i...
08/25/2026

It was Property Tax, in the Escrow Account, with your Insurance Premium. Case closed on why your payment looks the way it does.
https://myoc.io/ameroy/zfwRN



NMLS # 2264774

Check out this week's national average mortgage rates. I'm here to run the numbers - DM me or give me a call!NMLS # 2264...
08/21/2026

Check out this week's national average mortgage rates. I'm here to run the numbers - DM me or give me a call!

NMLS # 2264774

Kids aren't the only ones who need a desk this fall. Here's where to put a home office after you buy a house, what it ac...
08/17/2026

Kids aren't the only ones who need a desk this fall.
Here's where to put a home office after you buy a house, what it actually costs, and whether it's worth it before you sell.
https://myoc.io/ameroy/XaCiK



NMLS # 2264774

Here’s your weekly mortgage rate check-in. Rates can change throughout the week, but keeping an eye on the bigger pictu...
08/14/2026

Here’s your weekly mortgage rate check-in. Rates can change throughout the week, but keeping an eye on the bigger picture can help you feel more prepared when it’s time to make a move.

Curious what the market could mean for your homebuying plans? Let’s chat.

NMLS # 2264774

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08/14/2026

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August may feel like a slower month—but your next opportunity could already be in your database. From reconnecting with ...
08/13/2026

August may feel like a slower month—but your next opportunity could already be in your database. From reconnecting with buyers who paused their search to starting conversations with homeowners considering their next move, a thoughtful check-in now could help build momentum for fall.

See where to focus your outreach—and how your lending partner can help!
https://myoc.io/ameroy/n6KBn

NMLS # 2264774

Address

181 West Professional Park Court
Bowling Green, KY
42104

Telephone

+12707925376

Website

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