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Buyer Education Counter Offers, Amendments, and Notices in Real Estate: Everything You Need to Know   Have you ever started a conversation with a professional about their line of work, and within a few minutes you could only stare blankly, wondering what language they are talking in? We have all been guilty of it from time to time, forgetting that the terms we use in our day to day job […]
Uncategorized The Price is Right! (are you sure?) “Something is only worth what someone is willing to pay for it.”  We’ve all heard this saying, right?  When our clients ask us what their home is worth, or whether a property they are considering is priced well, we generally start our research with this perspective.  After all,  the goal is always to offer clarity […]
Buyer Education Can’t find the right house? Have you considered something brand new? Here’s what you need to know! For the last few years, the biggest theme in real estate has been the lack of inventory on the market.  When our market is imbalanced, it becomes difficult for half the people to meet their goals, and in recent memory it’s been very hard for buyers to find the property they like and have their […]
Buyer Education Understanding Pre-Approval Letters Not all pre-approvals are the same!  Everything you need to know about this important document!   We’ve talked about it before in different blog posts- when a seller accepts your offer, they are taking a chance on you.  Changing their listing to “Contingent” will virtually end all further interest from buyers, and put a stop […]
Buyer Education Considering a Condo? Keep these things in mind! In today’s market, when it’s hard to find just the right home because of low inventory and strong competition, more buyers than ever are considering condominiums as an alternative to single family homes.   Condos are also a popular choice for many people because they offer a low-maintenance lifestyle and often come with amenities like a […]
Uncategorized Lake Life! What you need to know when buying on a lake! Of all the wonderful natural resources we have in Wisconsin, the beautiful lakes we are blessed with is one of the most precious.  Whether  spending time on Lake Michigan or Winnebago, or a tiny one-acre lake in the north woods, we can all agree that enjoying the water is an important part of the Wisconsin […]
Buyer Education Pushing the reset button on your mortgage- Why, When, and How To Consider Refinancing Your mortgage terms aren’t forever! Borrowing money to purchase a home is really a transaction in and of itself.  There is an agreement between the borrower and the lender in which the lender agrees to provide money today for more money later.  What many people forget is that this agreement can be re-worked down the […]
Uncategorized Understanding FHA Loans If you’re considering buying or selling a home, you’ve likely heard of FHA loans. The Federal Housing Administration offers these loans to help people with less-than-perfect credit buy homes. It’s always a good idea to understand the details before making a big financial decision, and there are things that both buyers and sellers should consider […]
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Buyer Education Understanding Private Onsite Wastewater Treatment Systems   As we’ve mentioned in past blog posts, the three main pillars of an offer to purchase are terms that are related to 1) Money 2) Timing and 3) Condition of the property.  While most general condition-related concerns are addressed through the general home inspection contingency,  there are a few items which are dealt with […]
Buyer Education Understanding Post-Closing Occupancy Whether writing an offer for our buyer clients, or helping our sellers evaluate offers they receive for their property, we generally divide the terms of an offer into three categories: Financial Terms Condition Related Timing   Financial terms include things like price, mortgages, earnest money, and appraisals. Condition related terms focus on the buyer’s right […]
Buyer Education Understanding Proof of Funds As we’ve talked about in other blog posts, accepting an offer to purchase a property is an act of faith.  In fact, it’s a lot like getting engaged to be married!  No more dating!  This is the one!   Just like a marriage engagement, a home seller is not likely to accept a proposal from […]
General Real Estate Concepts The importance of perspective when buying and selling real estate I have a favorite saying:  “When all you have is a hammer, all the word’s a nail.”  Over the years, I think I’ve used it to mean several things, but most of all, it’s about perspective.  We always tend to conform our world view to serve their beliefs, abilities, needs, and wishes. In real estate, […]
Buyer Education Understanding Closing Cost Credits Some transactions are so simple.  If your neighbor agrees to sell you his bicycle for $100, you can walk right over there, hand him a $100 bill and ride the bike home!  Unfortunately, purchasing real estate isn’t quite that easy.  Large amounts of money being transferred between individuals can introduce complications, even if the transaction […]
Seller Education What you need to know about pre-signing your closing documents At a real estate closing, these days the buyers and sellers often sit in different rooms, usually with their own Realtor,  and the paperwork for the transaction makes its way from one room to the other, allowing all parties to sign the necessary documents to execute the sale. When the buyer is using a mortgage […]
Buyer Education Understanding Appaisals Why Do We Need Appraisals? While it may be nice to be able to pay cash for a property (especially when the interest rates are high!), most of buyers intend to use a mortgage to purchase their new home.  To be approved for a loan, a mortgage lender wants to verify two things.  First, the […]
Buyer Education Understanding Earnest Money One of the many questions we need to ask our clients when they are writing an offer to purchase a property is “How much earnest money would you like to submit for this offer?” At times, the blank stare we receive as an answer says it all: “What the heck is earnest money?” Here’s what […]
Buyer Education Understanding Title Insurance Until they are part of buying or selling a home, most people are not aware of the important role that title companies play in the real estate industry. Once you have an accepted offer, you start to have regular interactions with the title company handling the transaction, and you may start to wonder: “Who ARE […]
Buyer Education Understanding the Financing Contingency As we have mentioned in other blog posts, an offer to purchase is a promise to buy a property.  Once that offer is officially accepted by the seller, it becomes a contract.   Contingencies in the contract are the buyer’s way of saying “I promise to buy your property, but only if…” Today’s article will be […]
Buyer Education Understanding Radon When purchasing a house, all buyers want to know that their new home will be a safe environment to live in.   Some things are easy to see from a simple inspection.  A roof that leaks, a cracked foundation, or a loose railing can all be seen with the naked eye and fixed to give you peace […]
Buyer Education Home Warranties- Peace of Mind for New Homeowners The purchase of a new home can be a stressful event. There are just so many things to worry about, from unexpected issues with the home, to the mortgage process, to financial concerns.  This article will cover the ways in which a home warranty can help to remove some of the anxiety and stress a […]

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