Kentucky Mortgage Master

Kentucky Mortgage Master Greetings! I'm all about ensuring that your homebuying experience is as smooth and stress-free as possible. St.

Chris DeMuth - Market Leader NMLS #148312 Movement Mortgage
My customer service philosophy is to treat every customer with respect and to make their home buying or refinance experience as stress free as possible. I wholeheartedly believe that purchasing a new home is a significant life decision that warrants utmost care and attention. My mission is to guide you with integrity, clear communication

, and dependable advice to make your homebuying journey a breeze. Before diving into the mortgage industry in 2008, I spent 12 years as a licensed Realtor, focusing on sales and sales management within the home building sector. This background has equipped me with a unique insight into the real estate market and the crucial information and communication required for seamless transactions. Being a Louisville native, I have deep roots in the community. I'm an alumnus of Trinity High School and Bellarmine University, where I proudly played soccer. Matthews has been my home base throughout, where I live with my wife, Rachel, our son, Noah, and our energetic four-legged companion, Finn. Beyond the daily grind, my wife, Rachel, and I are enthusiastic travelers. We relish exploring new places, hiking, camping, and embarking on exciting adventures. Rachel is an avid runner and cyclist, and she has even taken on Ironman triathlons. Our son, Noah, is a competitive mountain biker and a regular contender in the US National Championships. Many of our travels revolve around cheering on Noah at his races and discovering wonderful new destinations together. In terms of accolades, I've been honored with the title of 2021 Branch Manager of the Year for Ruoff Mortgage. I've also proudly clinched the Loan Originator of the Year for the Ruoff Mortgage Louisville Branch in 2020, 2021, and 2022. Additionally, I have consistently ranked among the top producers, acknowledged by the Mortgage Bankers of Louisville in 2020, 2021, and 2022. Looking ahead, I'm genuinely excited about the future of the mortgage industry and the ever-evolving opportunities for growth and innovation. My unwavering dedication is directed towards expanding our services at the Louisville branch, helping individuals attain their dreams of homeownership. If you have any queries about mortgage lending, real estate, or wish to discuss your financial goals, don't hesitate to get in touch. You can reach me at 502-777-6267 or [email protected]. Alternatively, find me on LinkedIn at https://www.linkedin.com/in/chrisdemuth/ or on Facebook at https://www.facebook.com/KYMortgageMaster. I'm here to provide you with expert guidance on your journey to homeownership. Feel free to connect, and let's make your homeownership dreams a reality! 🏠😊

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touch...
09/08/2026

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touching your current mortgage rate. From September 8-22, qualified homeowners get .25% points off their HELOC rate. Message me to see what it looks like for you.

*Borrower qualification is required. This is not a commitment to lend. Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration; United States Department of Agriculture or any government agency. Offer may be modified or discontinued at any time without notice. Subject to credit approval and program availability. Reach out to a loan officer for the full list of programs eligible.

The best part of a day like today isn't the plans. It's not having any. Happy Labor Day. You earned it.
09/07/2026

The best part of a day like today isn't the plans. It's not having any. Happy Labor Day. You earned it.

09/04/2026

You've been lied to about the housing market. Here's what the data actually shows. 👇

Everyone keeps saying now is the worst time to buy. But the numbers tell a completely different story.

"There's nothing in my price range."
Entry-level home inventory rose 4.5% year over year in June while luxury inventory fell 5.2%. More affordable homes are available right now — and fewer people are competing for them. Source : July 29, 2026 /PRNewswire/ New Zillow® data "Sellers are overpriced and won't budge."

Asking prices have dropped for nine consecutive months nationally. One in four sellers cut their price in June before a buyer even made an offer. Sellers are more open to negotiating on price, closing costs, and terms than they've been in years — and Movement offers buydown options that sellers can fund as part of the deal to lower your payment early on. Source: Realtor.com, research. July-2026-data.

"I'll lose to investors every time."
Large corporate investors have largely stepped back after new federal rules restricted them from buying existing housing stock. Today 96% of investor-owned single-family homes belong to small individual investors. The playing field has shifted in your favor. Source: BatchData, Q2 2025 Investor Pulse.

"Rates make it unaffordable."
Household incomes grew 4.6% last year while the median monthly mortgage payment actually fell slightly. A mortgage takes up a smaller share of take-home pay than it did a year ago. And with down payment assistance available, you may not need as much saved as you think.
Source: Bureau of labor statistics. U.S. Department of labor. USUAL WEEKLY EARNINGS OF WAGE AND SALARY WORKERS SECOND QUARTER 2026. July 21, 2026

The market is more favorable for everyday buyers than the headlines suggest. You just have to know where to look.

📲 Find out what's actually possible for you right now.

Disclaimer : Note that Any actual Seller Credit is paid at closing and is subject to interested party contribution limits. Actual Seller Credit amounts are agreed upon solely between the Seller and the Borrower(s).

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own busines...
09/03/2026

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own businesses, work independently, invest in real estate, or have income that fluctuates from month to month. Different financial situations can require different lending solutions.

09/01/2026

Worried you can’t afford to buy a home? Before you decide, take a look at what you’re already spending on rent. You might be closer to homeownership than you think. Let's see what your options look like.

Getting approved for a certain amount doesn't mean you have to spend it. Before you start house hunting, think about the...
08/31/2026

Getting approved for a certain amount doesn't mean you have to spend it.

Before you start house hunting, think about the monthly payment that feels comfortable for your budget. That includes more than just principal and interest. Property taxes, insurance, HOA fees, utilities, and everyday life all factor into the bigger picture.

Knowing your comfort zone upfront can help you shop with confidence and avoid stretching your finances too thin.

Jackson Hole Jump For Mortgage Rates
08/30/2026

Jackson Hole Jump For Mortgage Rates

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20%...
08/27/2026

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20% down.

08/26/2026

Before you talk yourself out of homeownership, let’s talk. You may have more options than you think.

Growing family. New job. Military orders. Retirement. Most people don't decide to buy a home because the market is perfe...
08/24/2026

Growing family. New job. Military orders. Retirement. Most people don't decide to buy a home because the market is perfect. They decide because life is moving. The good news is there are loan options and strategies built for your specific situation, whatever the market is doing.

Address

10000 Shelbyville Road , Suite 103
Louisville, KY
40223

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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