Lesa Miller, Broker | REALTOR®
Lesa Miller Real Estate
RE/MAX Acclaimed Properties
Serving Bloomington, Bedford and the Surrounding Indiana Communities
📞 (812) 360-3863
📧 [email protected]
🌐 https://LesaMillerRealEstate.com
WELCOME TO BLOOMINGTON BUYER'S COURSE
Here's What You Need to Know About Buying a Home in BLOOMINGTON...
WELCOME TO BLOOMINGTON BUYER'S COURSE
Here's What You Need to Know About Buying a Home in BLOOMINGTON...
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Buyer's Course
NAR HAS SETTLED
Module 1: You Need An Expert
Module 2: Buyer's Compensation
Module 3: Choosing the Right Lender
Module 4: Making an Offer and Negotiations
Module 5: Your Offer Is Accepted
Module 6: Inspections Are Complete
Module 7: The Final Steps
Module 8: Erin Brockovich Buyer Compensation
EXCLUSIVE MARKET UPDATES
Nestled in the vibrant heart of Bloomington, Indiana offers an unparalleled blend of serene suburban living and the convenience of city life.
Whether you're a first-time buyer or looking to upgrade your living situation, our tailored market updates, captivating community videos, and comprehensive real estate insights make your home-buying journey seamless and enjoyable.
Stay ahead of the curve with our up-to-minute market updates. From the latest listings to price trends, we ensure you have all the information you need to make informed decisions. Bloomington, Indiana real estate landscape is dynamic, and with our expert analysis, you're always in the know.
Considering Buying?
Buying a home can be an exciting but also challenging experience. If you're planning to buy a Bloomington Indiana property, it's important to be prepared and aware of what to expect throughout the process. This short guide is designed to provide buyers like you with valuable insights and tips to navigate the purchase of your Bloomington property successfully.
ACCESS TO:
Home Buyer's Guide
Navigating the Current Market
Spring is here!
The Spring Real Estate Market is thriving, and we are seeing a significant increase in demand for homes in Voorhees, especially from millennials.
In fact, the current absorption rate in our area is only 3 months, which means that if no more homes come on the market, we will only be able to sustain the current demand for up to 3 months.
This is great news for anyone considering selling their home, as the high demand can lead to a boost in your bottom line.
If you are thinking about selling your home, now is the perfect time to do so. To get started, it's essential to focus on your curb appeal, which can significantly impact the value of your property. That's why we've put together a helpful checklist to help you get started.
Friendly reminder: Before you make a repair, be sure to check with a real estate agent to make sure it is worth your return on investment. Feel free to Book A Call with me if you have any questions or want a free consultation!
Are you a little behind on your spring cleaning? Grab a copy of the Ultimate Spring Cleaning Checklist that was featured last month.
Preparing for a possible move this summer? Click below to check out our moving checklist to get your whole house ready for the next home!
Want to know what is happening throughout Bloomington Now?
Click below for a full live schedule of local events around town!
BLOOMINGTON STATS & LOCAL INFO
Click Here for the Census Data.
Click Here for the Bloomington Report Card from Niche.
DOWNLOAD TO ACCESS:
10 Commandments Of Buying A Home
DOWNLOAD TO ACCESS:
The Complete Guide to Buying A Home
market Updates
buying new construction? buyer beware
Local market update
NAR's Commission Settlement:
Understanding Buyer's Agent Compensation
National Market Update
Buyer Tips
Community Videos
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Best Burrito in Brentwood
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MJ's Cafe in brentwood
MEET LESA
We help you throughout the entire selling & buying process!
Lesa Miller | Realtor Lic# RB14023899
Lesa Miller is a Bloomington–Bedford area real estate professional with more than two decades of experience helping buyers and sellers make smart, confident real estate decisions.
With a background in law and business, Lesa brings a practical, detail-oriented approach to every transaction. She helps clients understand the process, evaluate their options, and avoid surprises along the way.
As a RE/MAX agent, Lesa has earned recognition including the RE/MAX Platinum Level and RE/MAX Hall of Fame award. But her focus is simple: helping clients protect their interests, make informed decisions, and move forward with confidence.
Whether you are buying your first home, relocating to the Bloomington area, downsizing, or preparing for your next chapter, Lesa provides clear communication, steady guidance, and local experience you can trust.
WELCOME TO THE VIRTUAL HOME BUYER SEMINAR LIBRARY
Enjoy the latest & most up-to-date marketing & sales tactics to help you purchase a NEW home.
Thinking About Buying?
Are you thinking about buying a home but you don't know where to start?
Learn to take advantage of Tax Saving opportunities instead of throwing your money away
Walk through the important aspects of purchasing a home
What to Expect When Buying a Home
Purchasing a home is most likely going to be one of the largest investments you will make in your lifetime.
We have helped hundreds of clients in the past and we can help you too
My team and I are free! The seller pays for our fees and they have an agent who has their best interest at heart. We are here to have yours
Home Buying Process
First Step
The first step when looking to buy a home is getting qualified for a loan.
Before doing anything else you need to know what you can afford by getting qualified for a loan
Don’t go house hunting before going mortgage shopping
Pre-Approval vs
Pre-Qualification
Why you need an approval rather than just a pre-qualification.
Pre-Qualification is not a true approval but the initial step in a home loan process where you discuss your financial situation with a loan officer - nothing is verified
Pre- Approval is where the buyer provides the lender with the necessary documents to tell them what they are approved for, which loan option is the best for them and what the interest rate will be
10 Must Not’s When Buying a Home
Once you find your dream home, we need to make sure you get to move into it.
Don’t change jobs; becoming self employed or quit current job
Don’t buy a vehicles
Don’t use any charged cards or let your accounts fall behind
Don’t spend money you saved for closing
Don’t omit any debt or liabilities from your loan application
What are the Pros and Cons of Purchasing a Home?
Whether you’ve never owned a home before or it’s been a while since you’ve purchased, let's talk about the pros and cons.
Pro: Your wealth can increase as you build equity in your home through 2023 averaging about 3%
Con: Maintenance costs; work and money to keep a home in good condition
How Much Money Do I Need To Purchase a New Home?
Most people are afraid that it will cost them thousands and thousands of dollars to purchase a home in Brentwood.
There are various loans and grants to qualify to purchase a home
3 Tips To Get Your Offer Accepted
Are you competing with other buyers on your dream home or do you want to make sure you’ve got the best chance of getting your offer accepted?
Make sure you offered a competitive price on a home
Put down a larger earnest money deposit
Let the seller know that you have not written offers on any other properties
Offer Has Been Accepted, What’s Next?
Once your offer has been accepted, it's time to open up escrow.
It's time to get inspections done on the home, review disclosures, secure the loan, and get the appraisal done
WANT TO GET A FREE CUSTOM MARKET PROPOSAL?
Go to the next page to request a custom market proposal for your specific home
Community Videos
Lets Get You Prepared To Buy A Home
SUPPORT OUR SMALL BUSINESSES
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Top Tacos in Brentwood
41 Sand Creek Rd C, Brentwood
335 Oak St, Brentwood
Visit our blogs for more real estate tips, home tips, and local information!
What Are Mortgage Rates in Indiana This Week?
The 30-year fixed-rate mortgage averaged 7.40% for the week of October 15, 2026, according to Freddie Mac's Primary Mortgage Market Survey. That's unchanged from last week and up from 6.27% a year ago. The 15-year fixed averaged 6.71%.
Lesa Miller is a REALTOR® and broker in Bloomington, Indiana, who helps buyers and sellers in Bedford, Monroe County and the surrounding towns. Here's what this week's number means in plain English.
Is this the rate I'll get?
Not exactly. Freddie Mac's number is a national average. Your rate depends on your credit, your down payment, the loan type and whether you pay points. Freddie Mac releases a new number every Thursday at noon Eastern, so it can change by next week. A lender can give you your real number.
What does 7.40% do to a monthly payment?
Here's principal and interest on a $250,000, 30-year loan:
At this week's 7.40%: about $1,731 a month
At last year's 6.27%: about $1,543 a month
That's about $188 more a month compared with a year ago. Taxes, insurance and any mortgage insurance come on top, so your full payment will be higher.
Should you wait for rates to drop?
Nobody can promise where rates go next. They move with inflation data, Federal Reserve policy and the bond market. If rates fall, more buyers usually come back, and that can mean more competition for the same homes.
The better question is whether a payment works for you today on a home that fits what you need. If it does, that's worth a real conversation. If it doesn't yet, a plan beats watching the news.
What should you do this week?
Get pre-approved, so you know your real rate and price range. My post Pre-Qualified vs. Pre-Approved: What Bloomington, Indiana Buyers Need to Know First explains the difference.
Ask your lender about locking. Rate Locks Explained: When to Lock Your Mortgage Rate walks through how a lock works.
Compare more than one quote. Freddie Mac notes that getting multiple quotes can save buyers thousands over the life of a loan.
For where rates were this summer, see Mortgage Rates in Bloomington, Indiana: Where Things Stand.
Frequently asked questions
What is the 30-year mortgage rate this week?
7.40% for the week of October 15, 2026, according to Freddie Mac's Primary Mortgage Market Survey. The 15-year fixed averaged 6.71%.
When does Freddie Mac release new mortgage rates?
Every Thursday at noon Eastern.
Are mortgage rates in Indiana different from the national average?
Freddie Mac reports a national average. Your rate depends on your credit, down payment, loan type and points, so ask a lender for your own quote.
How much is the payment on a $250,000 loan at 7.40%?
About $1,731 a month for principal and interest on a 30-year loan. Taxes and insurance are extra.
Want to see what this week's rate means for your price range? Call or text (812) 360-3863, or visit LesaMillerRealEstate.com/Links.
This post is general information, not lending or financial advice. Talk to a licensed lender about your loan.
WHAT PEOPLE ARE SAYING ABOUT US
"She has Always Been very Responsive"
"I cannot say enough good things about Lesa. She has helped me buy and sell several properties in the Bloomington and Bedford markets. She has always been very responsive and has gone far above and beyond when confronted with a difficult situation. I won't use anyone else."
- RJones47421
"A truly Professional Realtor."
"Lesa is very professional, attentive to detail and very easy to wor with. She has helped me navigate the often waters of buying and selling a home. Lesa is also a straight shooter and extremely honest with her clients. I can highly recommend her to anyone seeking a truly professional Realtor."
-Ross Hughes
"Would Recommend Her Without Reservation. ."
"Lesa is a very nice, friendly and professional realtor. She is well informed, knows the area and home prospects as well as the right contacts for everything. A fountain of information and always ready to assist. Would recommend her without reservation."
- HelenHarrell
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