The Realtor Next Door: Meet Ryan Harvey of Union, Kentucky

Ryan Harvey isn't your typical Northern Kentucky realtor. As both a licensed real estate agent and mortgage lender, he offers clients a comprehensive approach to home buying and selling that few professionals can match. This unique combination allows him to guide clients through the entire process with expertise that spans beyond just finding the right property.

During our conversation, Ryan shared a refreshingly honest assessment of the current Northern Kentucky market. While many regions struggle, our area remains exceptionally strong, with Boone County and particularly Union seeing continued growth driven by major employers like Amazon, DHL, and Kroger. The challenge? Record low inventory creating a persistent seller's market where demand continues to outpace supply.

What struck me most was Ryan's practical wisdom about interest rates - a topic causing anxiety for many potential homebuyers. He provided valuable perspective that today's rates around 6-7% are actually moderate when viewed historically. His key insight: "You can always change your interest rate, but you can never change the purchase price of your home." This challenges the common mindset of waiting for "perfect" market conditions that rarely materialize.

Beyond business talk, we discovered Ryan's deep community connections as a 15-year Union resident. Married for nearly 20 years with two teenage daughters active in sports, his life revolves around family, neighborhood connections in Triple Crown, and a genuine love for the area he represents. His passion for Union came through clearly: "I don't think you can beat Union at all. This is home."

Ready to explore Northern Kentucky's real estate opportunities with a knowledgeable local guide? Connect with Ryan directly at 859-640-2106 or find him on social media. Whether you're considering buying your first home, upgrading to something new, or just curious about your options, Ryan's combined expertise in both real estate and mortgages makes him uniquely qualified to help you navigate the journey.