Dallas Brock at Shawn Rogers Realty Inc.

06/16/2026

🚨🚨🚨ATTENTION!!
We have a Father's day give away here at Kindred Spirit . A $40 value.
Like, share, & comment with two tagged friends
We will draw for this on this friday 19th. So don't miss out!

06/01/2026

05/31/2026

Kindred spirit Christian bookstore in Corbin, Kentucky, offering a chance to win 2 floor tickets seats at the Lauren Daigle concert at the Corbin arena. And be sure you click on the ad from their page to do the comment

05/19/2026

Ready to buy or sell? Let's talk!! 606-515-9109 text or call

05/06/2026

🏡The More you know! Today’s topic: one story or two Story home & what to Consider.
🔥Welcome to E:7 in my informational series where I break down simple home topics from, building to buying, to help homeowners and buyers here in Southeastern Kentucky make smarter decisions. There is no set days that I will be posting so follow for up dates. (I will eventually turn these into actual videos one day so stay tuned)

Choosing between a one-story home and a two-story home comes down to comfort, accessibility, space needs, and long-term lifestyle plans. Here’s a quick and clear breakdown to help buyers decide:

🏠 One-Story Homes

✔ Pros:

No stairs – Easier for all ages and ideal for long-term mobility.
Simple maintenance – Cleaning gutters, siding, and windows is easier and safer.
Open flow – Common layouts feel roomy and convenient.
Quiet living – No upstairs foot traffic or noise.

✘ Cons:

Uses more land – Larger footprint needed to achieve the same square footage.
Potentially higher foundation/roof costs due to the wider layout.
Less privacy separation – Bedrooms often closer to living spaces.

🏠 Two-Story Homes

✔ Pros:

More space on a smaller lot – Great for buyers wanting square footage without needing extra land.
Separation of spaces – Bedrooms upstairs, living areas downstairs.
Energy zoning – Easier to manage heating and cooling in separate floors.
Stronger curb presence – Height often adds architectural appeal.

✘ Cons:

Stairs required – Not ideal for those with mobility concerns.
Harder exterior maintenance – High windows and gutters are trickier to reach.
Temperature differences – Upper floors can run warmer without proper airflow.
💡 Which Is Right for You?

Think about:

Mobility now and in the future
Lot size
Privacy needs
Maintenance preferences
Energy efficiency goals

Both home styles work great—your lifestyle decides which feels right.

LOOKING TO PURCHASE OR SELL?
“I don’t just sell houses. I hand you the keys to your next chapter 🔑 Let’s write it together.”
Ask Dallas at 606-515-9109
or email: [email protected]
Dallas Brock Realtor
Shawn Rogers Realty Inc

03/04/2026

🏡The More you know! Today’s topic: Purchasing a home VS. Renting & what to Consider.
🔥Welcome to E:7 in my informational series where I break down simple home topics from, building to buying, to help homeowners and buyers here in Southeastern Kentucky make smarter decisions. There is no set days that I will be posting so follow for up dates. (I will eventually turn these into actual videos one day so stay tuned)

Purchasing a Home vs. Renting — Pros & Cons

Deciding whether to buy or rent isn’t always simple. Both options have real advantages — and real drawbacks. Here’s a breakdown to help people understand what truly fits their lifestyle and financial goals.

🏡 Buying a Home
Pros:
--Builds Equity--
Every payment adds to your ownership, not someone else’s.
--Stable Monthly Payments--
Fixed-rate mortgages help protect you from rising housing costs.
--Freedom to Customize--
Renovate, paint, add on — it’s your space to shape.
--Long-Term Investment--
Historically, real estate tends to appreciate over time.
--Tax Advantages--
Potential deductions for mortgage interest and property taxes.

Cons:
--Higher Upfront Costs--
Down payment, closing costs, inspections — buying isn’t cheap at the start.
--Maintenance Responsibility--
Repairs and upkeep land on you, not a landlord.
--Less Flexibility--
Selling a home takes time, so it’s not ideal for short-term moves.
--Market Fluctuations--
Home values can go up or down over time.

🏘️ Renting a Home
Pros:
--Lower Upfront Costs--
Usually just first month’s rent + deposit.
--Flexibility--
Easy to move, great for temporary or uncertain situations.
--No Maintenance Costs--
Landlord handles repairs, big and small.
--Less Financial Risk--
You’re not tied to market changes or long-term commitments.

Cons:
--No Equity Building--
Your monthly payments build someone else’s wealth.
--Rent Can Increase--
Yearly renewals often mean higher costs.
--Limited Control--
Rules, restrictions, and no major upgrades without permission.
--No Tax Benefits--
Renters don’t receive homeowner deductions.

Bottom Line

Renting makes sense for short-term plans, fresh starts, or low-upfront-cost situations.
Buying makes sense when you’re ready to build wealth, create stability, and invest in your future.

LOOKING TO PURCHASE OR SELL?
Ask Dallas at 606-515-9109
or email: [email protected]

Dallas Brock Realtor
Shawn Rogers Realty Inc.

02/06/2026

🏡The More you know! Today’s topic: A few Types of Home Loans to Consider.

🔥Welcome to E:6 in my informational series where I break down simple home topics from, building to buying, to help homeowners and buyers here in Southeastern Kentucky make smarter decisions. There is no set days that I will be posting so follow for up dates. (I will eventually turn these into actual videos one day so stay tuned)

⚡️USDA loans are government-backed, $0-down mortgages for low-to-moderate-income buyers in eligible rural and suburban areas

-$0 Down Payment: Allows financing up to 100% of the home's appraised value.

-Lower Mortgage Insurance: Fees (1% upfront, 0.35% annually) are generally cheaper than FHA loans and conventional PMI.

-Competitive Interest Rates: Government backing allows lenders to offer lower-than-market rates
-Flexible Credit Guidelines: Accessible to borrowers with less-than-perfect credit (often 640+ scores).

-Closing Cost Options: Sellers can contribute, or costs can be rolled into the loan if it overappraises.

-No Property Size Limits: There are no specific square footage limits for the home.

⚡️Conventional loans offer flexible down payments as low as 3%, competitive interest rates for high-credit borrowers

-Flexible Down Payments: As low as 3% for first-time buyers, though 20% eliminates PMI.

-No Upfront Mortgage Insurance: Unlike FHA loans, there is no large upfront fee.

-PMI Removal: Private Mortgage Insurance (PMI) can be cancelled once you reach 20% equity.

-Property Flexibility: Generally, fewer restrictions on property condition compared to FHA loans.

-Higher Loan Limits: Conforming loan limits are high, and jumbo loans are available for even higher amounts.

⚡️FHA loans

-Low Down Payment: Requires only 3.5% down for credit scores of 580 or higher, or 10% down for scores between 500 and 579.

-Lenient Credit Requirements: More forgiving of lower credit scores and past credit issues compared to conventional loans
-Lower Interest Rates: Often feature interest rates that can be lower than conventional loans.

-Assumable Mortgages: FHA loans can sometimes be taken over by a new buyer, which can be a selling point if market rates are higher.

-Lower Closing Costs: Generally, closing costs are comparable or slightly lower than conventional options, although they include specific fees.

-Non-Occupant Co-Borrowers: Allows family members to co-sign to help meet debt-to-income (DTI) requirements.

👉Which one is best?
It depends on:
-Your credit score
-Your down payment
-The location of the home
-Your military status
-Your income

No one-size-fits-all — a good lender can show you the exact payment differences between each option.

💥If you need someone to walk you through the process, or you’re thinking about buying or selling in Southeastern Kentucky, I’m here to help.
Ask Dallas Brock with Shawn Rogers Realty Inc.

02/06/2026

🏡 Looking to Buy? Here's a nice place.. Call or text me at (606) 515-9109 & lets go check it out.

Email: [email protected]

listed by: Kris & Dreama Bolin Lake Cumberland Real Estate Professionals

02/03/2026

01/26/2026

The More you know! 🏡Today’s topic: — Home Inspection vs. Appraisal

🟦Welcome to E:5 in my informational series where I break down simple home topics from, building to buying, to help homeowners and buyers here in Southeastern Kentucky make smarter decisions. There is no set days that I will be posting so follow for up dates. (I will eventually turn these into actual videos one day so stay tuned)🟩

When you’re buying a home, two steps can feel confusing — the inspection and the appraisal. They sound similar, but they serve completely different purposes in the process.

🔍 Home Inspection — Checking the Home’s Condition

A home inspection is a deep look at how the home is actually holding up.
A licensed inspector walks through the property top to bottom and checks major systems like:

Roof & attic

HVAC

Plumbing & electrical

Foundation & structure

Appliances

Crawlspace/basement

The goal is to spot any issues you might not see during a normal showing.
This protects you, the buyer, so you know what you’re getting into before closing. After the inspection, you can negotiate repairs or credits based on the findings.

👉 Think of it as the health check-up for the house.

🏦 Appraisal — Determining the Home’s Value

An appraisal is ordered by the lender (not the buyer) to make sure the home is worth what you’re paying. An appraiser compares:

Recent sales nearby

Property size

Location

Condition

Market trends

Their job is to confirm the home’s market value, so the bank knows they’re making a smart loan.

👉 Think of it as the bank asking, “Is this home worth the money?”

🔑 The Bottom Line

Inspection = condition

Appraisal = value

Both are essential steps before you get the keys.

If you ever need someone to walk you through the process, or you’re thinking about buying or selling in Southeastern Kentucky, I’m here to help.

Ask Dallas Brock with Shawn Rogers Realty Inc.