Michael Breda, Mortgage Broker NMLS #2283845

01/15/2026

If you’re looking for Down Payment Assistance - give me a call today. We work closely with Kentucky Housing Corporation to help borrowers with their first purchase!

Dreaming of homeownership but worried about the down payment? KHC’s Down Payment Assistance program offers up to $12,500 to help make it happen. Talk to your KHC-approved lender today and take the next step toward your new home!

Learn more about KHC programs at https://ow.ly/C4FO50XW8sY.

12/22/2025

✨ Crestwood Living on 2+ Acres ✨
A rare opportunity in Kentucky Acres with space to spread out and room to grow.

Listing Agent:
Rachel Touchstone, Kentuckiana Realtor
📲 www.realtyadvanced.com/touchstone

12/22/2025

No Score? No Problem.

I often see credit reports with “No Score.”
Most of the time, it’s simply because credit hasn’t been established for 6+ months.
Here’s the fix ⬇️

Step 1: Open ONE credit card
• Small limit is fine
• Secured card works if needed
• Avoid annual fees (this card is a long-term keeper)

Step 2: Use it the smart way
• Set up Auto-Pay immediately (no exceptions)
• Put one small recurring charge on it (Netflix, Spotify, etc.)
• Pay it off in full every month

Then… put the card away and forget it exists

That’s it. Simple. Effective.

Credit scores don’t require debt — just consistency.

11/25/2025

Looking at different options for your next home loan? Take the guess work out. I will provide transparent and honest loan estimates, allowing you to make an educated decision on your next purchase.

11/21/2025

Thank you Oldham Chamber for another great event.

11/15/2025

Great coffee! Stop by and see them soon.

Yesterday we cut the ribbon for Revival Coffee’s new building! Go check them out and grab a warm drink!

11/11/2025

Great to be at Revival Coffee Company ribbon cutting in LaGrange. The weather was cold but the coffee was delicious. Stop by and see these folks soon.

Thank you Oldham Chamber for setting this up!

07/18/2025

A huge thanks to this client for the review. Buying a house is stressful enough! Give me a call today and and see what we can do for you!

05/09/2025

Pretty cool - I was looking at houses and wondered what this would look like with black trim. I think ChatGPT did an OK job.

04/07/2025

This event is for charity and goes to a great cause. Please sign up if you're interested in a charity poker night!

Friday, April 18, 2025 @5:30pm-12:00am