Jefferson County WI and Surrounding Areas Real Estate Information, www.AmbersHomeFinder.com

Posted: Sep 8, 2009, 10:48am PDT

Dousman Wisconsin Real Estate, Buy a home in Dousman Wisconsin, Ottawa WI Real Estate

Wed, 02 Sep 2009 11:56:32 -0500

Amber Castonguay | Century 21 Crossroads Realty | amber@century21crossroads.com | 920-699-8124

S18W37169 Henry St., Dousman, WI

This home is Move-in condition. 3 Bedroom, 1.5 Baths located on a quiet Cul-de-sac. Many Updates such as Windows, Furnace/AC, Carpet & Bathrooms.

3BR/1.5BA Single Family House

offered at $214,900

Year Built	1976
Sq Footage	1,400
Bedrooms	3
Bathrooms	1 full, 1 partial
Floors	1
Parking	2 Car garage
Lot Size	1.25 acres
HOA/Maint	$0 per month

DESCRIPTION

This home is Move-in condition. 3 Bedroom, 1.5 Baths located on a quiet Cul-de-sac. Many Updates such as Roof, Windows, Furnace/AC, Carpet & Bathrooms. Beautiful deck overlooking this partially wooded lot on over an acre in a desirable neighborhood in Dousman. Taxed by Town of Ottawa.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Living room	- Dining room
- Dishwasher	- Refrigerator	- Stove/Oven
- Basement

COMMUNITY FEATURES

- Garage parking

ADDITIONAL PHOTOS

Main	Kitchen
Dining Room	Living Room
Master Bedroom

Contact info:

Amber Castonguay

Century 21 Crossroads Realty

920-699-8124

For sale by agent/broker

Posted: Sep 8, 2009, 10:45am PDT

Lake Mills Wisconsin Real Estate, Jefferson County Wi Real Estate

Sat, 18 Jul 2009 12:44:55 -0500

Amber Castonguay | Century 21 Crossroads Realty | amber@century21crossroads.com | 920-699-8124

708 W. Madison St., Lake Mills, WI

Beautiful and Completely Updated!

4BR/2BA Single Family House

offered at $175,000

Year Built	1900
Sq Footage	1,668
Bedrooms	4
Bathrooms	2 full, 0 partial
Floors	2
Parking	2 Car garage
Lot Size	.319 acres
HOA/Maint	$0 per month

DESCRIPTION

Beautiful 4 Bedroom, 2 Bath home in Desirable Lake Mills. Pride of Ownership shows in this updated home. 2.5 car detached garage, main floor laundry and much more. Appliances and Home Warranty included.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Living room	- Dining room
- Dishwasher	- Refrigerator	- Stove/Oven
- Washer	- Dryer

COMMUNITY FEATURES

- Lake

ADDITIONAL PHOTOS

Front	Living Room
Dining Room	Kitchen
Mud Room	Master Bedroom

Contact info:

Amber Castonguay

Century 21 Crossroads Realty

920-699-8124

For sale by agent/broker

Posted: Aug 7, 2009, 12:51pm PDT

Dodge County Wisconsin Real Estate

Sat, 18 Jul 2009 12:31:07 -0500

Amber Castonguay | Century 21 Crossroads Realty | 920-699-8124

103 Milwaukee St., Theresa, WI

Priced to Sell. nice Kitchen, Formal Dining Room with 3 Bedrooms. This home won't last long make your appointment today!Home Sale is subject to bank a

3BR/1BA Single Family House

offered at $43,800

Year Built	Unspecified
Sq Footage	1,368
Bedrooms	3
Bathrooms	1 full, 0 partial
Floors	2
Parking	Unspecified
Lot Size	3,833 sqft
HOA/Maint	$0 per month

see additional photos below

ADDITIONAL PHOTOS

Back	Living Room
Dining	Living to Dining
Bedroom	Bedroom

Contact info:

Amber Castonguay

Century 21 Crossroads Realty

920-699-8124

For sale by agent/broker

Posted: Sep 1, 2009, 8:17am PDT

Dodge County Wisconsin Real Estate, Lomira WI Real Estate, Dodge, Buy real estate in dodge county wi

Wed, 01 Apr 2009 13:50:50 -0500

Amber Castonguay | Century 21 Crossroads Realty | amber@century21crossroads.com | 920-699-8124

244 N. Lake St., Hustisford, WI

Beautiful Victorian on Lake Sinissippi.

3BR/2BA Single Family House

offered at $158,800

Year Built	Unspecified
Sq Footage	Unspecified
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	2
Parking	2 Car garage
Lot Size	27,120 sqft
HOA/Maint	$0 per month

DESCRIPTION

Beauty and Charm in this 3 Bedroom, 2 Bath home with lots of old time character. Situated on the Lake for year round fun. Home sale is subject to bank approval.

see additional photos below

PROPERTY FEATURES

- Fireplace	- Hardwood floor	- Family room
- Living room	- Office/Den	- Dining room
- Basement

COMMUNITY FEATURES

- Lake

ADDITIONAL PHOTOS

Front	Dining Room
Fireplace	Living to Dining Room
Lake	Back with Garage

Contact info:

Amber Castonguay

Century 21 Crossroads Realty

920-699-8124

For sale by agent/broker

Posted: Sep 1, 2009, 8:17am PDT

Dodge County Wisconsin Real Estate, Lomira Wisconsin Real Estate

Sat, 14 Feb 2009 14:29:45 -0600

Amber Castonguay | Century 21 Crossroads Realty | amber@century21crossroads.com | 920-699-8124

1052 Acorn Dr., Lomira, WI

Priced below Fair Market Value

3BR/1.5BA Single Family House

offered at $100,000

Year Built	1978
Sq Footage	1,560
Bedrooms	3
Bathrooms	1 full, 1 partial
Floors	Unspecified
Parking	2 Car garage
Lot Size	.312 acres
HOA/Maint	$0 per month

DESCRIPTION

Priced to sell. You won't believe the space in this home. Needs TLC, all offers Subject to BAnk Approval.

see additional photos below

PROPERTY FEATURES

- Fireplace	- Living room	- Dining room
- Basement

COMMUNITY FEATURES

- Garage parking

ADDITIONAL PHOTOS

Front	Back
Backyard	Backyard
Map

Contact info:

Amber Castonguay

Century 21 Crossroads Realty

920-699-8124

For sale by agent/broker

ambercastonguay@gmail.com

Posted: Aug 5, 2009, 8:06am PDT

Jefferson County WI Real Estate Information, Buy or Sell Real Estate in Jefferson County WI, Jefferson county wisconsin houses for sale

Thu, 05 Feb 2009 11:10:51 -0600

FINDING A CAPABLE AGENT TO MEET YOUR REAL ESTATE NEEDS

By: Amber Castonguay

Whether you’re a first-time buyer, selling your current home or relocating to a different part of the country, the support of a qualified, knowledgeable real estate agent can alleviate many of your concerns and ensure a smooth transaction. A professional agent can market your present residence, help you locate the home of your dreams and assist in making your transfer to an unfamiliar area easier.

To find a trained sales associate or broker, you may need to look no further than your own neighborhood or home town. If a well-established brokerage is involved in many listings and sale, this is a god sign. Speak with some of the agent’s past customers about the quality and integrity of service and performance. Successful real estate agents rely heavily on customer referrals and will therefore strive to provide the very best in customer service and satisfaction.

Set up appointments to “interview” agents and brokers much like an employer world interview a prospective employee. Inquire about their training, marketing programs and specific service policies. Also determine how many years of experience they have, the number of listings they have had, and the number of homes they have sold within the past few years. More importantly, find out how well they know the area. Ask for references, and check them out.

Your goal is to determine just how knowledgeable the agents are. Question them on financing, closing costs and/or local market conditions, depending on whether you’re a prospective home buyer or seller, to determine their expertise. If they know their stuff, they should be able to answer your questions effortlessly.

If you’re selling your home, learn what they will do if you decide to list with them. How do they plan to market your home? Will they provide you with a market analysis to help you determine the most effective listing price for your property? Will they supply regular progress reports and assist with negotiations once you’ve received offers?

If you are relocating to a different part of the country, is your agent connected with a national relocation service that will not only expose your present property to incoming transferees, but assist with your search for a new house?

Ask for a written guarantee that everything promised will be delivered. The CENTURY 21® organization, for example, backs its listings with the CENTURY 21 Seller Service Pledge. This 11-point written commitment covers everything from furnishing the seller with a marketing plan to monitoring pre-settlement activities throughout the closing process. It also gives the seller the right to terminate the listing if the pledge is not fulfilled.

A qualified real estate agent should be able to answer all your questions and provide you with qualify service that is courteous and responsible. Finding the right person may take time and patience, buy when purchasing or selling a home, the selection of a dependable agent should be tops on your list. Contact Amber www.AmbersHomeFinder.com | 920.699.8124 | AmberCastonguay@Gmail.com

Jefferson County WI Real Estate, Jefferson County Wisconsin Real Estate,Jefferson WI Real Estate, First Time Home Buyer Jefferson WI, Condos in Jefferson County WI, Buy Real Estate in Jefferson County WI, Watertown WI Real Estate

Thu, 05 Feb 2009 10:02:00 -0600

Amber Castonguay | Century 21 Crossroads Realty | ambercastonguay@gmail.com | 920-699-8124

600 Hunter Oaks Blvd., Watertown, WI

Move in Today! Beautiful End Unit Condo!

2BR/2.5BA Condo

offered at $119,900

Year Built	2005
Sq Footage	1,394
Bedrooms	2
Bathrooms	2 full, 1 partial
Floors	2
Parking	2 Car garage
Lot Size	Unspecified
HOA/Maint	$102 per month

DESCRIPTION

Great 2 Bedroom, 2 1/2 bath Condo! This End-unit features an open concept floor plan, upper level laundry, and a lower level ready for you to finish. All Appliances Included!

see additional photos below

PROPERTY FEATURES

- Central A/C	- Fireplace	- Walk-in closet
- Living room	- Dishwasher	- Refrigerator
- Stove/Oven	- Microwave	- Basement
- Laundry area - inside

COMMUNITY FEATURES

- Garage parking

ADDITIONAL PHOTOS

Front	Side
Kitchen	Kitchen
Living Room	Master Bedroom

Contact info:

Amber Castonguay

Century 21 Crossroads Realty

920-699-8124

For sale by agent/broker

EASING YOUR WAY INTO HOMEOWNERSHIP:

Posted: Sep 1, 2009, 8:17am PDT

Jefferson County WI Real Estate, Jefferson County Wisconsin Real Estate, Lake Mills WI Real Estate,First Time Home Buyer

Thu, 15 Jan 2009 12:20:32 -0600

HOW YOUR REAL ESTATE AGENT CAN HELP YOU QUALIFY FOR A LOW DOWN PAYMENT MORTGAGE?

For many renters, the first step in buying a home is becoming educated about the process. If you're like many people considering a home purchase, you've spent nights and weekends poring over your local real estate section. You've talked to friends and relatives about their experiences. Maybe you've even purchased a book or tow to help you become more familiar with real estate terminology and the various types of mortgages commonly used today.

Coming up with a down payment and finding a loan that meets your needs are the greatest hurdles faced by first-time homebuyers. So, you may even have leafed through stacks of brochures and flyers from lenders offering down payments that are far less than the 20 percent you'd always thought you'd need to save before you could buy. With so many excellent first-time buyer programs to choose from these days, you practically need to be an expert to sort through them all.

That's why if you're a first-time homebuyer seeking a low down payment loan, you'll save time by selecting a professional real estate agent who is experienced in working with people just like you in the area where you plan to buy. An agent who frequently assists first-time buyers will know from experience which lenders in your area offer a low down payment program that will most closely match your needs.

A professional real estate agent can help you determine whether you are likely to qualify for these special programs, since participation in some may be limited to buyers under a certain income level or for the purchase of homes below a certain purchase price. Your agent also will be able to tell you whether there are other requirements you must fulfill in order to be considered. With some programs, for example, you must attend an educational seminar before you can be considered for one of these low down payment loans.

`It's important that your agent become familiar with your current financial situation. Before you meet with your agent to discuss your financial situation and housing needs, you'll want to collect some basic information to make the process easier. Be prepared to show recent paycheck stubs or pay vouchers to certify sources of income; a complete list of current credit card, auto and other consumer credit payments you make each month; and recent bank and savings statements. These documents will help you and your agent determine how much home you can afford. It's also important that you disclose any prior credit problems or late payments. Your agent may be able to suggest ways to remedy any negative remarks on your credit report that could disqualify you from a low down payment loan program.

In addition, because most lenders w2ill require that you have several months of house payments in the bank as a reserve, your agent may be able to suggest ways you can increase your savings in the weeks and months leading up to your home purchase. Don't forget that some programs allow you to apply a cash gift from a family member to cover the required down payment and losing costs.

Your agent also may know a motivated seller who would be happy to assist you in accomplishing your home purchase by caring a second mortgage. A second mortgage is helpful because it reduces the amount of the first mortgage you need to obtain. In some cases, a second monthly payment and generally is required to protect the lender when a down payment is less than the standard 20 percent of the loan amount. Even if your seller isn't willing to take a second mortgage to complete the sale, he or she may be willing to pay your closing costs, which will reduce the amount of cash you need to have on hand up-front.

With interest rates edging up, innovative mortgage financing programs that require a low down payment are even more important than ever to first-time buyers. A professional real estate agent can help you sift through the countless programs that are available and help find the one that's mortgage can eliminate the need for private mortgage insurance, which is added to your right for you. Contact Amber Castonguay, Century 21 Crossroads Realty 920.699.8124,

Amber@Century21Crossroads.com www.AmbersHomeFinder.com

Johnson Creek WI Home Buying, Johnson Creek WI Home Buyer, Jefferson County WI Real Estate, Buy a home in Jefferson county wi, home buyer jefferson county wisconsin, jefferson county wi real estate

Fri, 21 Nov 2008 11:15:12 -0600

EASING YOUR WAY INTO HOMEOWNERSHIP: HOW YOUR REAL ESTATE AGENT CAN HELP YOU QUALIFY FOR A LOW DOWN PAYMENT MORTGAGE

For many renters, the first step in buying a home is becoming educated about the process. If you're like many people considering a home purchase, you've spent nights and weekends poring over your local real estate section. You've talked to friends and relatives about their experiences. Maybe you've even purchased a book or two to help you become more familiar with real estate terminology and the various types of mortgages commonly used today.

In addition, because most lenders will require that you have several months of house payments in the bank as a reserve, your agent may be able to suggest ways you can increase your savings in the weeks and months leading up to your home purchase. Don't forget that some programs allow you to apply a cash gift from a family member to cover the required down payment and losing costs.

Contact Amber Castonguay for more information. 920.699.8124 amber@century21crossroads.com

Home Buying in Jefferson County Wi, Lake Mills WI Real Estate, Buy a home in Jefferson County Wisconsin, Jefferson County WI Real Estate

Fri, 14 Nov 2008 09:55:08 -0600

Six Simple Steps to Ensure a Smooth Home Purchase

Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible:

1. Check your credit.
Before you apply for a home loan, regardless of your credit, it's a smart idea to obtain a copy of your credit report from the three major credit bureaus and review the information. If there are errors or things that need to be addressed, it's easier to address them before you have found a house, than after you have found a house and are trying to close your loan.

If you know that there are a few blemishes on your credit, let your lender know what they are, why they are there, and why you are a still good credit risk. Lenders look at your credit to determine how likely you will pay back the loan. If you had extenuating circumstances - like a loss of a job or medical bills - let them know so that they understand that it is not likely to happen again in the future.

2. Get approved before you buy.
An approval means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you have found a home to purchase. As long as the home appraises for at least the purchase price, the loan should close.

Getting approved also gives you an advantage over other buyers. Your firm approval makes it easier for you to negotiate on the price of a home, than a person who is not approved or is pre-qualified.

While getting pre-qualified may sound official, it is really just getting an idea of what you can afford. Its having a person plug in a few numbers that you give them - your monthly income and your monthly debt - and getting an approximate payment calculated. From the payment, the calculator can approximate the house price range that you can afford. No information is verified. Because your assets, income or credit is not verified, a pre-qualification has little value when purchasing a home.

3. Find a great buyer's agent.
Traditionally real estate agents represent the sellers in a transaction. When you are not working with a buyer's agent, they are less likely to negotiate the best price or contingencies for you.

A buyer's agent's job and fiduciary responsibility (meaning legal duty) is to you, the buyer. Before working with an agent, establish if they are a buyer's agent or a seller's agent. After spending a lot of time with a Realtor, it's natural to feel like you're a team. But if they are not negotiating for you, then they are not on your team.

Jefferson County WI Real Estate, November Newsletter, Real Estate information, Jefferson County WI Homes For Sale, Jefferson County WI Home Buyer

Wed, 12 Nov 2008 11:53:42 -0600

Jefferson County Wisconsin Real Estate

November - 2008

	Understanding the Comparative Market Analysis

	Be a Better Borrower

	FREE Phone Market Analysis

I am pleased to present you with the latest issue of Life@Home. Delivered to home buyers, sellers and owners on a monthly basis, this electronic newsletter is designed to give you the real estate information that is important to you. In each issue, you will find practical tips and articles related to buying, selling or owning a home, as well as the latest news on real estate trends. I hope that you enjoy this issue of Life@Home. If I can be of any assistance, please do not hesitate to contact me.

Visit Century21.com and view more than 250,000 property listings! Visit my website at www.AmbersHomeFinder.com to view all properties.

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Understanding the Comparative Market Analysis

As the old saying goes, "Knowledge is power." This adage can certainly be applied to the real estate transaction. The more you know, from the ins and outs of the process to the market conditions, the better your chance of selling and getting the most from your investment.

The Competitive Market Analysis or CMA is a report that will help you learn more about your marketplace. Many real estate professionals offer this free service or as part of their service package. A CMA offers you a snapshot of the real estate conditions in your area and can be a very useful tool when setting your own asking price.

Here are some of the elements contained in most reports:

1. Homes for sale. This is an inventory of the current active listings in the Multiple Listing Service (MLS). It will give you an idea of how many other homes will be competing for buyer attention. Consider the asking prices for homes similar to yours, but remember the asking price is just that. It does not reflect what buyers are willing to pay.

2. Pending sales. These are active listings that are now under contract. Additional data on the sale will likely not be available until after the closing.

3. Comparable sales. This is perhaps the most revealing and interesting component. It details all the sold listings in the last six months and their sale prices. Look carefully at the numbers. Here you can discover how much buyers are willing to pay. This data can help you and your agent craft a realistic list price.

The final piece of the CMA puzzle is to make sure you look specifically at homes that are similar to yours. To make the most of this data, search for a home that is comparable to yours in location, size, age, amenities, etc. Use the expertise of your Realtor® to analyze the numbers and his or her market knowledge to adjust the numbers up or down accordingly.

All Locked Up

Be a Better Borrower

The stories of foreclosure and loss in today's mortgage crisis are painful. If you are in the market, here are five things you should do.

1. Begin with a good understanding of your finances. Examine your budget and income and determine how much you can pay as a down payment and afford each month (mortgage plus bills). Remember to factor in a cushion for unexpected costs such as unemployment.

2. Understand the lending process. Take time to learn about credit, mortgage terms, interest rates and points. Keep in mind that when you assume a mortgage you may be buying your dream home, but are also taking on a significant debt.

3. Get pre-approved. Once you have a handle on your finances and the lending process, get pre-approved for a mortgage. This gives you defined parameters for your home search and makes you a more appealing prospect to sellers.

4. Search out a reputable lender. Ask for recommendations from your real estate professional and from friends and family. Research the lenders you are considering before making a selection. Of course you should shop around for the best rates, but remember there are other important factors at play.

5. Listen to your heart and look ahead. If something seems too good to be true, it probably is. Also, take the time to analyze the fine print and make sure the mortgage terms are still manageable five, ten, and twenty years from now.

FREE Phone Market Analysis

Register here for your FREE Phone Comparative Market Analysis. Amber Castonguay can be reached via E-Mail Amber@Century21Crossroads.com or Direct: 920.699.8124!

CENTURY 21 Crossroads Realty
520 Hartwig Blvd. . Johnson Creek, WI 53038 . 920-699-8124
amber@century21crossroads.com . www.AmbersHomeFinder.com

Cambridge WI Real Estate, Cambridge WI Homes for Sale, Waterfront homes, Waterfront Properties, Vacation Homes in Jefferson County WI, Buy a home in Jefferson County WI, Water Access, Boat Slip, Water Rights

Wed, 15 Oct 2008 20:33:32 -0500

Amber Castonguay | Century 21 Crossroads Realty | amber@century21crossroads.com | 920-699-8124

W9061 Lakeview Dr., Cambridge, WI

This home has it all. Lots of space for entertaining. 3 Bedroom, 2 Bath with a Sunroom and Lower Level Family room with Fireplace. Lake access with pr

3BR/2BA Single Family House

offered at $214,900

Year Built	Unspecified
Sq Footage	2,600
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	3
Parking	2 Covered spaces
Lot Size	.33 acres
HOA/Maint	$0 per month

DESCRIPTION

This home has it all. Lots of space for entertaining. 3 Bedroom, 2 Bath with a Sunroom and Lower Level Family room with Fireplace. Lake access with private dock and boat slip. Spend your days on Lake Ripley. You must see this home! Sq.Ft. is not verified.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Fireplace	- Family room
- Living room	- Dining room	- Dishwasher
- Refrigerator	- Stove/Oven	- Microwave
- Basement	- Washer	- Dryer
- Balcony, Deck, or Patio

COMMUNITY FEATURES

- Garage parking

- Lake

OTHER SPECIAL FEATURES

- Boat Slip, 24' Pontoon, Deeded Lake Rights

ADDITIONAL PHOTOS

Photo 2	Kitchen
Photo 4	Photo 5

Contact info:

Amber Castonguay

Century 21 Crossroads Realty

920-699-8124

For sale by agent/broker

Posted: Sep 1, 2009, 8:17am PDT

Lake Mills Wisconsin Real Estate, Lake Mills WI Real Estate, Buy a home in Jefferson County, Jefferson County WI Real Estate, Jefferson County Wisconsin Real Estate

Sun, 05 Oct 2008 10:54:41 -0500

Jefferson County WI CENTURY 21 Newsletter

October - 2008

	Do It Right

	Pretty as a Picture

	FREE Phone Market Analysis

www.AmbersHomeFinder.com
www.HomeSoldByAmber.com

Visit Century21.com and view more than 250,000 property listings! Visit my website at www.AmbersHomeFinder.com to view all properties.

"Do" it Right

Real estate is a cyclical business. Market conditions change over time creating a selling environment that sometimes favors the seller and at other times the buyer. Most of the country today is experiencing a buyer's market. This means there are affordable interest rates and the inventory of properties is high. In other words, buyers are getting more for their money and have lots of homes to choose from. Faced with that type of market, what can sellers do to make sure their home sale experience is a successful one? The answer: plenty. Here are just four things you can do to increase your odds of a profitable sale. Do hire a real estate professional to represent your property. His or her expertise can be invaluable when it comes to assessing the marketplace, crafting an asking price, staging the home for sale, screening buyers and negotiating the offer. In a buyer's market you need a leg up on the competition. Do understand the market conditions and the different factors at play. Learn as much as you can about the buying and selling process. The more informed you are the better. Do everything you can to make your property look its best. This may include upgrading the landscaping, painting, making repairs and replacing outdated features. If there are larger projects you are not willing to undertake before you move, such as a new roof or asbestos remediation, make sure you understand how this may affect your negotiations and ultimately your sales price. Do price it right. This is probably the most important factor in helping your home sell. Price it too low and you won't make the most on your investment. Price it too high and buyers won't be bothered. In fact, your property could end up languishing on the market. Instead use a Competitive Market Analysis and your real estate professional's expertise to help your listing move.

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Pretty As A Picture

Some reports say as many as 80 percent of home buyers start their search online. So it goes without saying that creating an appealing property profile on the Internet is an important step in the selling process .

Start by coordinating with your real estate agent about when and how the digital photos will be taken. Some professionals take the images themselves; others use a dedicated staff member and still others use an outside company for services such as virtual tours. Before the photo shoot you will want to spend time preparing your property. Most online profiles begin with an appealing photo of the home's exterior. If possible, select a sunny day that will show your property in its best light, but be wary of shade trees that may cast strange shadows in the photo. Make sure the lawn and landscaping are well trimmed and there are no cars in the driveway or out front. And remember if you have an outdoor living space, such as a patio, deck, pool, porch, garden or spacious yard, to showcase these features as well. Next turn your attention inside. The most important part of taking an effective photo for online use is to declutter. Remove all unnecessary items and distractions. You want the rooms to appear well-organized, spacious and inviting. Finally, turn the camera outward. If you have wonderful vistas and views, buyers should see those positives too.

FREE Phone Market Analysis

Register here for your FREE Phone Comparative Market Analysis. Amber Castonguay can be reached via E-Mail Amber@Century21Crossroads.com or Direct: 920.699.8124!

CENTURY 21 Crossroads Realty
520 Hartwig Blvd. . Johnson Creek, WI 53038 . 920-699-8124
amber@century21crossroads.com . www.AmbersHomeFinder.com

Sell my home in Jefferson County WI, MLS, Find Real Estate in South Cental Wisconsin, Jefferson County Wisconsin Real Estate, Buy a home in Jefferson County WI, Sell Real Estate in Jefferson County WI

Sat, 27 Sep 2008 21:13:19 -0500

QUICK LINKS

Thinking of Selling?

Relocating to Wisconsin

Featured Properties

Resources for Buyer

SEARCH ENTIRE MLS

Johnson Creek wi Real Estate, Jefferson County Wi Real Estate, Watertown Wi Real Estate, Dodge County Wi Real Estate, Buy a home in Jefferson County WI, Sell my home in Jefferson County WI

Sun, 07 Sep 2008 14:49:12 -0500

Jefferson County WI CENTURY 21 Newsletter

September - 2008

	Ready, Set, Buy

	Do Tell

	School's In

Visit Century21.com and view more than 250,000 property listings! Visit my website at www.AmbersHomeFinder.com to view all properties.

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Ready, Set, Buy

If you are a first-time home buyer, the news for you in most parts of the country is good. Mortgage rates are relatively low and higher inventory and lower asking prices mean market conditions are in your favor. If your finances are in order, now is the time to start that home search.

Begin with some good, old-fashioned preparation. Carefully review your budget. Determine how much you will have to offer as a down payment and how much you can afford to pay monthly. Remember to calculate not just your mortgage payment, but all your costs including taxes, utilities, food, entertainment, insurances, etc. Getting a good handle on your finances is critical to making the right real estate decision.

Next, think long and hard about what you want from this purchase. Is it a starter home that you want to stay in less than five years? Or maybe you want a home that can accommodate a growing family. Take some time to define your parameters like location, number of rooms, school system, and proximity to transportation.

Once you have outlined your budget and your wants and needs, you are ready to begin viewing listings online and in person. A real estate professional can be a huge asset during this process. He or she can prescreen homes and make sure they fit your budget and your needs. An agent can also provide insights on whether the asking price is fair and help identify a listing's strengths and weaknesses.

But even with this help, keeping track of all the pros and cons can be a challenge. Many first-time buyers keep a log or journal during their search. When you visit homes, ask if you can take pictures of the property. At the same time takes notes. Write down the things you love, like and dislike about each listing. In the end, a combination of thorough preparation, a good Realtor and organization can help make your first-time purchase a successful one.

All Locked Up

Do Tell

The majority of post sale disputes involve undisclosed property faults. In an effort to sidestep those lawsuits, most states require sellers to complete some sort of disclosure document as part of the real estate transaction. Sellers are required to reveal any material facts that could affect the price of the home or the buyerâ?Ts decision to purchase.

Hereâ?Ts an example. If you are selling a home that gets water in the basement during a heavy rain, you would be wise to disclose it before the sale. Otherwise the buyer may pursue compensation or seek legal recourse. It is helpful to think of the disclosure as a form of protection for both parties.

The question of what constitutes a material fact is subjective and varies from state to state. Consult with your real estate professional and an attorney about what characteristics should be listed with a tendency to err on the side of revealing, not concealing. Clearly structural defects, like a cracked support beam, should be named as well as environmental concerns such as radon or asbestos. Sellers must disclose the presence of lead as part of a federal requirement.

Sellers tend to be wary of disclosure believing it will adversely affect sale price. However, most buyers prefer to negotiate around a disclosed defect rather than be surprised at the home inspection when they can walk away from the deal altogether.

School's In

If you have a child starting college this fall, take time to set some ground rules. This venture has a better chance of success if you start on the same page. For instance, share what you expect your child to do, like attend all classes or email once a week. A good understanding can be the basis for a great year.

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CENTURY 21 Crossroads Realty
520 Hartwig Blvd. . Johnson Creek, WI 53038 . 920-699-8124
amber@century21crossroads.com . www.AmbersHomeFinder.com

Watertown Wi Real Estate, Sell my home in Watertown Wi, Watertown Wisconsin Real Estate, Jefferson County WI Home Selling, Watertown WI Home Selling

Sat, 16 Aug 2008 20:01:33 -0500

MOVING ON: POWERFUL TIPS FOR SELLING YOUR HOME

Maybe you're moving to a larger home to accommodate a growing family, relocating for a new career opportunity, or purchasing a townhouse for retirement. Whatever the reason for the move, you'll need to take the necessary steps to sell your home for the best possible price, within a reasonable amount of time. Where do you begin?

If you're like most people, you'll start by seeking assistance from a professional. A local real estate sales associate, who knows your neighborhood, can help you determine a fair market price. The sales associate should also recommend the extent to which you should make repairs or improvements to your house.

In order to select a real estate professional who's right for you, ask family, friends and neighbors for referrals. Attend open houses and interview several sales associates to find out how professional or experienced they may be. Get a written outline of how they plan to market your property and the services they will offer you.

Once you've identified a qualified professional, the rest is chemistry. Is the sales associate someone with whom you would like to work closely? Do you feel comfortable with the sales associate as your partner, working with you to give you advice and acting as your representative? Does he or she practice a consultative selling approach, focusing on the long-term client relationship and on the importance of exceeding client needs and expectations or is he or she caught up in the proverbial 'hard sell?'

The brokerage firm that your agent is associated with is also important. Research the firm's success rate and commitment to quality service. Does it survey existing clients in order to ensure customer satisfaction? What are the results of those surveys? How in tune are they with consumer needs? Do they offer guidance with mortgages or any discounts for other home related or moving services?

Determining your home's fair market value is one of the most important decisions you'll make during the home-selling/buying process. Your sales associate can help you set a fair price based on local market conditions. For instance, she or he will provide sale prices and other statistics of homes similar to yours that have recently been sold. Prospective buyers will be comparing your home to others on the market. Therefore, setting a comprehensive price can determine if your property will or will not sell.

For the first offer made, it's rare that the prospective buyer matches the asking price. If the offer is reasonably close to the asking price, carefully consider the offer before you consider turning it down. Curiously, it's the first offer that can often be the best offer. If the first offer is unacceptable to you, it may in your best interest to have your sales associate respond with a counter offer. Whenever considering an offer, ask yourself if you would purchase the property for the amount being offered. Always be willing to negotiate, especially if the prospective buyer is pre-qualified for a mortgage.

Once you decide what terms are acceptable, let your sales associate negotiate with the prospective buyer to work out the best agreement for you. You'll need to be patient while the buyer arranges financing and as the real estate company compiles and prepares pertinent data.

Careful planning and sound advice from a real estate professional can make selling your home a very satisfying experience. For further information, please contact, Amber Castonguay, Century 21 Crossroads Realty. Amber@Century21Crossroads.com or 920.699.8124

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Sat, 02 Aug 2008 12:11:42 -0500

The CENTURY 21 Newsletter

August - 2008

	A Move in the Making

	Negotiating 101

	That Time of the Year

HOW TO DETERMINE THE PRICE OF YOUR HOME

Visit Century21.com and view more than 250,000 property listings! Visit my website at www.AmbersHomeFinder.com to view all properties.

A Move in the Making

Every move has its own personality. Some happen quickly. Others are years in the making. If you have some time to plan the sale of your home, here is a one-year time line for a smooth move. . Twelve Months Ahead - Start with two key consultations. Ask a real estate professional for some advice. See what she thinks are the highlights and lowlights of your home. This will give you plenty of time to play up the good and fix the bad. Also, hire a home inspector. This professional will tell you what home systems need attention. For instance, if you need a new roof, you can decide whether to put one on yourself or reduce your asking price to compensate. Knowing such things a year in advance will let you save for repairs if necessary and give you ample time to arrange for the work. . Nine Months Ahead - Start clearing out your clutter. Going through closets, attics, garages and belongings takes time. Remember, the more you purge, the better your house will look and the less you will have to pack. If you give yourself enough time, you can make sure your unwanted items get to the right places (i.e. friends, relatives, charities, thrift shops) instead of the garbage. . Six Months Ahead - Turn your attention outside. Remember that curb appeal has a lot to do with what buyers think about your home. Updating landscaping can do a lot to boost first impressions. Starting now will give you time to research, plan and perhaps hire the right professionals. . Three Months Ahead - If you plan to paint your interior start now. A fresh coat of paint in warm, neutral tones can do wonders. Also, begin to ask for referrals for movers, mortgage companies, etc. Now is a good time to contact your agent again and talk about a plan for the final three months. . One Month Ahead - If you have prepared correctly, this last month should be less stressful. You can tie up loose ends and focus on the sale.

Negotiating 101

Negotiating a real estate sale can be stressful. If you've fallen in love with a property and have already imagined it as your next home, the process can be an emotional rollercoaster. Your real estate agent, who likely warned you not to become too attached before the deal is settled, will be your guide through the back-and-forth. Among other things, your agent will consider these three factors: . Market Conditions - Whether it is a buyer's market (high inventory and falling sale prices) or a seller's market (less inventory, more buyer demand, and higher prices) will greatly influence how much you should offer for the property.. Budget - Of course your buying power plays a tremendous part. It ultimately determines where negotiations begin and how high your offer can climb.. Motivation - Your need to move combined with the seller's motivation to sell is an intangible factor that will impact negotiations. For instance, if you know the sellers are divorcing and need to sell quickly as part of a settlement that could come into play. In addition to these factors, it is a good idea to discuss the negotiating tactics your sales associate plans to use. Maybe the best approach is to start low and work your way up to an agreeable price. Or if you know market conditions are in your favor, starting with a firm price and a "best offer" approach could be the better move. Discuss the different options with your agent.

That Time of the Year

Without a doubt, a birthday is a time for celebration. However, it is also an ideal reminder to take care of some important business. Use your birthday as a cue to make annual doctor's appointments. In addition to a routine physical, schedule an eye exam, colonoscopy, mammogram and other key appointments.

CENTURY 21 Crossroads Realty
520 Hartwig Blvd. . Johnson Creek, WI 53038 . 920-699-8124
amber@century21crossroads.com . www.AmbersHomeFinder.com

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Wed, 23 Jul 2008 12:46:59 -0500

By Amber Castonguay

Why is it that some homes sit on the market for a year while others sell like hot cakes? Frustrated sellers will blame a bad market, while a good real estate professional will tell you that many times, a slow sale is often attributed to the listing price.

If a home is overpriced, buyers will stay away. But, if the price is competitive with similar homes in the area and "shows" better than the competition, it will have a better chance of being sold quickly.

The secret is perfecting a technique that's as American as apple pie: comparative shopping.

Although comparing houses with different styles, square-footages and locations is challenging, real estate professionals still feel it's one of the best methods to use when determining a home's market value.

A responsible real estate agent will effectively evaluate a home's worth through a process known as Comparative Marketing Analysis (CMA). Taking a look at assets, such as a swimming pool, bigger than normal living spaces, a fantastic view, adjacent city parks and other attractions, the agent will begin to compare your home with similar properties, called "comparables," that have sold in the area within the last six months. Typically, the agent is able to recommend a realistic price range that will ensure you top dollar and a reasonably

However, factors such as the amount of time needed to sell your home can alter the agent's price recommendation dramatically.

Typically, people should check with real estate offices in the community to determine the typical duration that listings are on the market. Sales associates will explain that the marketing "norms" vary with prices and properties. Based on this criteria, the agent feels confident that he or she will be able to sell it for a price that both you and the buyer will be happy with. However, if you're under time constraints because of unexpected job changes or moving agreements you've made on another property, this will narrow your chances of selling the home for top dollar in the market.

Assuming you have sufficient time to market the home, here are a few small steps you and your agent can take to finding the right price for your property.

The best comparisons can be made with similar homes that have been sold within the last 45 days as opposed to the standard six months. Any longer and other factors, such as the economy, could cloud your view of how much your home is really worth.

Another good benchmark is to review the selling prices of homes that have just been sold and are pending closes. Most MLS services provide information on deals pending that most real estate agents should be able to shore with you.

A good rule of thumb before setting a price is to make 20 comparisons of comparable properties within a one-mile radius of your house. Once completed you can feel comfortable that the price you've picked is a good gauge of the home's worth and won't discourage qualified buyers.

Being open and honest about what you see as the home's greatest strengths and biggest weaknesses will also help an agent get a better feel for how to best evaluate (or assess) and market your home. Think of your home as if you were the buyer. If your home is listed at the right price, you're well on your way to a speedy and fruitful sale. Contact Amber Castonguay

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Thu, 17 Jul 2008 10:20:19 -0500

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WHAT'S YOUR STYLE?
A guide to America's Most common Home Styles
By Amber Castonguay

Styles of houses vary across the country. From the New England Cape Cod to the Victorians of San Francisco, the choices are almost endless. Knowing which style you prefer is one of the basic elements in your hunt for the perfect home.
Following is a quick guide to help you recognize and use the professional terms for many of the most prevalent house styles:

· Ranch: these long, low houses rank among the most popular types in the country. The ranch, which developed from early homes in the West and Southwest, is one-story with a low pitched room. The raised ranch, which is also common is the U.S.. has two levels, each accessible from the home's entry foyer, which features staircases to both upper and lower levels.

· Cape Cod: this compact story-and-a-half house is small and symmetrical with a central entrance and a step, gable roof. Brick, wood or aluminum siding are the materials most commonly seen.

· Georgian: Popular in New England, the Georgian has a very formal appearance with tow or three stories and classic lines. Usually built of red brick, the rectangular house has thin columns alongside the entry, and multi-paned windows above the door and throughout the house. Two large chimneys rise high above the roof at each end.

· Tudor: modeled after the English country cottage. Tudor styling features trademark dark-wood timbering set against light-colored stucco that highlights the top half of the house and frames the numerous windows. The bottom half of the house is often made of brick.

· Queen Anne/Victorian: Developed from styles originated in Great Britain, these homes are usually two-story frame with large rooms, high ceilings and porches along the front and sometimes sides of the house. Peaked roofs and ornamental wood trim, many times referred to as "gingerbread," decorate these elaborate homes.

· Pueblo/Santa Fe Style - Popular in the Southwest, these homes are either frame or adobe brick with a stucco exterior. The flat rood has protruding, rounded beams called vigas. One or two story, the homes feature covered/enclosed patios and an abundance of tile.

· Dutch Colonial - the Dutch Colonial has two or tow-and-one-half stories covered by a gambrel roof (having two lopes on each side, with the lower slope steeper than the upper, flatter slope) and eaves that flare outward. This style is traditionally make of brick or shingles.

· New England Colonial - This two-and-one-half story early American style is box like with a gable roof. The traditional material is narrow clapboard siding and a shingle roof. The small-pane, double-hung windows usually have working wood shutters.

· Southern Colonial -this large, two-to-three-story frame house is world famous for its large front columns and wide porches.

· Split-levels: Split-level houses have one living level about half a floor above the other living level. When this type of home is built on three different levels, it is called a tri-level.

These are just a few of the many styles of homes available across the country - some are more prominent in different areas than others. Knowing home style terms will help you zero in on the type of house that will fill your needs and suit your taste.

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Mon, 07 Jul 2008 09:29:59 -0500

The CENTURY 21 Newsletter

July - 2008

	Thinking Ahead

	Check it off

	That Time of the Year

Visit Century21.com and view more than 250,000 property listings! Visit my website at www.AmbersHomeFinder.com to view all properties.

Thinking Ahead

The headlines can be scary. The current housing crisis has put many Americans at risk of losing their homes and had a significant ripple effect on the economy as a whole. Unfortunately, some consumers received loans in the early part of this decade that they ultimately could not afford. In many instances, buyers selected an adjustable rate mortgage (ARM) with terms they could manage at the loan's onset. But when the scheduled rate hikes set in a few years later, they found themselves too far in debt without enough income to meet their commitment. You can avoid the same fate by paying close attention to the conditions and terms of your own loan. Start with these four recommendations: 1. Make sure that your loan officer is licensed in your state and in good standing. 2. Understand the lending process. In addition to learning about buying and selling real estate, you should spend time educating yourself on lending. For instance, you should have a good understanding of your credit score and how it affects your ability to borrow money. If you have a poor score, but a lender is still willing to give you a mortgage, there will probably be consequences down the line.3. Study the rates and timetables. Many homeowners were caught off-guard when their monthly payments increased as part of their ARM schedule and structure. Make sure you will be able to afford the higher payments in the future if this is the loan product you choose.4. Understand what your monthly payment will include. You want to make sure expenses like taxes and insurance are tied into your monthly payment and are not additional costs.
For more resources on this topic, visit the web site for your state government. The federal government offers information at http://www.usa.gov/Citizen/Topics/Family_Homes.shtml.

Check It Off

"Be Prepared." It is a slogan that can be applied to almost every moving day. Here is a checklist of some items you should have on hand.

. Paperwork - If you are using a moving company or renting a truck, keep a copy of the contract with you.. Directions - Perhaps you are caravanning with friends to the new place. It is easier to hand out printed directions than explain it multiple times.. Mobile Phone and Charger - A fully-charged mobile phone is a must.. Numbers - Your address book, phone book or a list of important contacts is a good idea.. Money - If you are tipping movers, you will need cash. It is also good for incidentals, such as paying for lunch.. Extra Supplies - A few extra boxes, tape, tissue paper and scissors can be a lifesaver for those last minute items. Plastic bins will also do the trick.. Cleaning Items - You should give your "old place" a good once over if you did not have time the night before. A broom, dust cloth, paper towels and a general cleaning agent should do the job. . Tricks of the Trade - If your children are with you on moving day have some things to keep them occupied. Books, art supplies, cards and snacks are good ideas.. For Fido - Have your pet needs at the ready.. Personal Necessities - You want to keep careful track of your purse, wallet, keys, phone and medications on moving day. Losing any of these items could make a long moving day that much longer.

That Time of the Year

CENTURY 21 Crossroads Realty
520 Hartwig Blvd. . Johnson Creek, WI 53038 . 920-699-8124
amber@century21crossroads.com . www.AmbersHomeFinder.com

Watertown Wisconsin Real Estate, Watertown Wisconsin Homes for Sale, Sell my home in Watertown Wisconsin, Jefferson County Wisconsin Home Selling, Dodge County Wisconsin Home Selling

Thu, 26 Jun 2008 12:56:51 -0500

HOW TO GIVE YOUR HOME A FACE-LIFT:

THE SELLERS' GUIDE TO A QUICK SELL

One of the great challenges to selling a home can be showing all of its space, decor and natural light potential. For example, every home has crowded closets and dead space. Sellers should be aware that areas such as these are easy to spruce-up with a little elbow grease and old-fashioned innovation. Click here for Home Selling Tips.

Begin by evaluating your closet/storage space, determine which areas can cut-down in clutter. Go through old clothes, shoes, etc., and get rid of anything that will not be used and in turn create more space. Consider organizing shelves and other areas to make better use of your storage space, including your garage and basement. Also, try to throw out or give away any old furniture that is no longer of use. All of the discarded items can be given to Good Will, Salvation Army or even sold at a yard sale.

"Although most sellers keep their homes clean and well-decorated, it can be difficult to convince a buyer of a home's potential when clutter is noticeable. As brokers, it's our responsibility to offer any tips that will expedite the sale and make the experience more enjoyable for the seller,"

Once you've eliminated the unwanted items and furniture, begin the 'renovation' process. For non-storage spaces that could use a little more decor, consider adding a small bookshelf complemented with a cozy reading chair. Always be sure you're filtering as much light into your property as possible. Open or replace curtains. For example, light from a window overlooking the backyard offers a room more color, a great view and the illusion of more space.

Always maximize the potential of existing decor; wash old curtains, re-stain old wood casings, anything that refreshes and emphasizes all the potential of the space and decor of the home.

Prospective buyers are often more drawn to homes with features that they don't have, those with clutter-free closets, open sunny rooms, and cozy little corners. To ensure you've realized all of the above characteristics the last step should be to bring in a friend and observe their reaction. Make sure it's an honest friend, who will offer suggestions as well as notice the improvements. Seeing your own home through someone else's eyes is a great way to make a home optimally attractive and more sellable to prospective buyers.

Be diligent in your efforts and be sure the renovations improve the aesthetic appeal of the home. All the hard work will be worth the reward of a successful sale.

Century 21 Real Estate Corporation is the franchisor of the world's largest residential real estate sales organization, with more than 6,300 independently owned and operated franchised broker offices in more than 25 countries and territories worldwide. Century 21 Real Estate Corporation is a subsidiary of Cendant Corporation (NYSE: CD).

Please contact Amber Castonguay for any Real Estate Information. Servicing Jefferson, Dodge and Surrounding Counties.

Amber Castonguay, Broker Associate

920-699-8124

www.AmbersHomeFinder.com

Amber@century21crossroads.com

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Tue, 24 Jun 2008 12:42:40 -0500

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Tue, 24 Jun 2008 11:14:34 -0500

Visit www.WIRealEstateShortSales.com for Short Sale Information. If you can no longer afford your home don't let it go to forclosure. Short Sales are alot of work with everyone involved but can be beneficial for the Seller because you avoid foreclosure. If you want more information visit www.WIRealEstateShortSales.com. If you are buying and you have time and patience this might be an option to find a home with good value in todays market. If you are selling, don't sell youself short sell you mortgage short.

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Mon, 02 Jun 2008 09:15:42 -0500

The CENTURY 21 Newsletter

June - 2008

	A Good Agreement

	A Change In Direction

	Return the Favor