first time home buyers: New Listing Move-in Ready 3br home in Brodhead Wi. - 04/02/12 11:08 PM
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first time home buyers: New Listing in Monroe. Check out this remodeled 3br home with 1st floor MBR, bath , and laundry Only $89,900 by Realtor Scott Larson - 01/12/12 06:32 AM
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first time home buyers: New listing in Monroe Wisconsin. Affordable Remodeled, Move-In ready by Scott Larson of aHedeman Real Estate - 01/12/12 06:24 AM
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first time home buyers: New afforable listing in Monroe Wi. by Scott Larson of Hedeman Real Estate of Monroe - 01/12/12 06:20 AM
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first time home buyers: A Tip about Communicating with your Realtor - 10/25/10 05:50 AM
Communicate is Key
If you have hired an agent hopefully you hired one that you can communicate with effectively. A good Realtor listens to their client and their needs. However, it is also our job to manage your expectations. Almost all sellers think their homes are worth more than they really are and buyers generally always want more off the price or items included in the sale than the seller can give. Not always but often. With today's market conditions most buyers and sellers are in tune with the struggles each side will face. I get calls from prospective buyers looking for … (1 comments)

first time home buyers: 3br Ranch in Large corner lot - 10/25/10 05:32 AM
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first time home buyers: Buying or selling a home is a complex - 09/27/10 07:32 AM
Buying or selling a home is a complex and, at times, overwhelming process. There are many options as well as constraints that households face when searching for the right home that will meet their needs today as well as in the future. For home sellers, the transition from one home to another often is driven by significant life events such as a job relocation or retirement. The unsettled economy has added another layer of uncertainty as both would-be buyers and sellers consider when, and even if, they should complete a real estate transaction.
A majority of home buyers and sellers rely … (0 comments)

first time home buyers: Should I buy a house today? - 07/31/10 01:42 AM
 A Home Is a Better Place to Raise a Family Don’t take my word on this. When Fannie Mae asked current renters for the major reason to buy a house in their  National Housing Survey 2010, these were the answers renters gave (they could pick multiple answers):
78% said it was a good place to raise children 75% said because they would feel safe 70% said because you have control of your own space With interest rates under 4.5% you can own some homes for less than renting. Call me today and see how you can become a home owner.
From … (6 comments)

first time home buyers: Home-buying budget - 07/27/10 02:30 AM
 
Mathematical Errors
It’s always wise to establish a home-buying budget for yourself, before you start applying for loans. You would do this by comparing your monthly expenses to your net monthly income (after taxes). But we all make mistakes. If you overestimate your earnings, or underestimate your expenses, you could have trouble keeping up with your payments. To offset this risk in the short term, you should put some extra money aside.
From Scott Larson of Towne Square Realty in Monroe, Wisconsin
"Your Realtor of the Region"
E- Mail scott@greencountyhomeguide.com
On the web at www.greencountyhomeguide.com
I think you will be … (2 comments)

first time home buyers: Cash Reserves does your client have them? - 07/23/10 03:42 AM
 
Cash Reserves
Buyers, when you apply for a mortgage loan, the lender is going to request your bank account information. They will check again just a few days before your closing date. They want to know how much money you have in the bank, and whether or not you can afford your closing costs. They also want to make sure you have enough to cover your first couple of mortgage payments. This is referred to as “cash reserves.” The amount needed will vary based on lender and loan program. Just know that the lender is going to scrutinize your liquid … (1 comments)

first time home buyers: Fixer-uppers an Affordable Option to Home Ownership - 05/31/10 06:47 AM
 
For first time home buyers let me suggest that you should examine the fixer-upper option -- among others -- to get the affordability you seek.
In the past, first-time home buyers were willing to purchase older, more basic houses in an effort to save money and break into homeownership and this continues to be an excellent option 
It is important for first-time homebuyers to remember that by considering a fixer-upper for their first home purchase, they can build equity over time and later move up and later buy their second home that reflects their dream home expectations
Buyers looking for … (1 comments)

first time home buyers: Lower intrest rates TODAY is the day to buy your new home - 05/24/10 07:30 AM
 
The market is at the best levels since rates dropped over a year ago. When all signs, analysts, and economists pointed towards higher rates they did the oppsite and went down. But these rates are not likely to hold for very long. 
 
 Sample Rates on 5/24/10
 
30yr Fixed: 4.625%
 
15yr Fixed: 4.125%
 
 
 
5yr ARM: 3.625%
 
7yr ARM: 3.875%
 
 
 
30yr Fixed FHA: 4.625%
 
15yr Fixed FHA: 4%
 
5yr ARM FHA: 3.75%
From Scott Larson of Towne Square Realty in Monroe, Wisconsin
“Your Realtor of the Region”
E- Mail … (0 comments)

first time home buyers: Steps to home ownership - 05/20/10 08:09 AM
You need to find out what you can afford. The easiest way to do this is to find out what you can afford to pay monthly after you have made your down payment. The best way to do this is to visit a lender and get prequalified for a loan. It won’t cost anything, it will give you a good idea of what you can afford and it saves you time later by not looking at homes you can't afford  Keep in mind, however, that you will often qualify for more than what you might wish to spend each month. Think … (1 comments)

first time home buyers: First time home buyer tip, How much home can you afford? - 05/14/10 04:28 AM
 
Aim for a home you can really afford.
The rule of thumb is that you can buy housing that runs about two-and-one-half times your annual salary. But you'll do better to use one of many calculators available online to get a better handle on how your income, debts, and expenses affect what you can afford. I have  links on my web site at www.greencountyhomeguide.com
From Scott Larson of Towne Square Realty in Monroe, Wisconsin
“Your Realtor of the Region”
E- Mail scott@greencountyhomeguide.com
On the web at www.greencountyhomeguide.com
I think you will be surprised how affordable the Dairyland is,
so come … (0 comments)

first time home buyers: Don't buy if you can't stay put. First-time Homeowners advice. - 05/12/10 02:42 AM
Don't buy if you can't stay put.
If you can't commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. With the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner - even in a rising market. When prices are falling, it's an even worse proposition. Make sure you discuss your plans with your Realtor so he or she can give you sound advice on this your biggest life-time purchase.
From Scott Larson of Towne Square Realty in … (4 comments)

first time home buyers: As the song goes " Time keeps on ticking, ticking in to the future" - 04/20/10 12:47 PM
The first time home buyer tax credit allows a buyer to enter an agreement with a seller by April 30, 2010 and close on the house by June 30, 2010. First time home buyers are defined as anyone who has not owned a home for the past 3 years. First time home buyers will get up to $8,000 tax credit. Other home buyers, who have owned their current home for at least five years, are eligible for a $6,500 tax credit.
Income limitations $125,000 for single filers and $225,000 for joint filers. The purchase price of the home must be less … (0 comments)

first time home buyers: A buying tip if your short on cash and long on desire - 01/12/10 06:04 AM
Home buyers tip of the day, ask the seller to pay some of your closing costs. If you're short on cash for the closing costs and can't roll the closing costs into the mortgage, ask the seller in your offer if they're willing to pay all or part of the closing costs. It's not unusual for a buyers to ask for this. The worst that can happen is that the sellers say no.
 
From Scott Larson of Towne Square Realty in Monroe, Wisconsin
“Your Realtor of the Region”
E- Mail scott@greencountyhomeguide.com
On the web at greencountyhomeguide.com
I think you … (0 comments)

first time home buyers: Just returned from the WRA State Confrence "More Tools to Serve You" - 09/11/09 07:48 AM
I just returned from the annual WRA State Conference. AWESOME!!!  I feel recharged and renewed to serve the buyers and sellers of Southern Wisconsin with even an higher level of customer service. If you are a seller, there are some new innovative tools that I will be adding to the TURBO Marketing program that I use to get your property sold. Please allow me to present to you this plan.
If you are a buyer the time is running out on the $8000 credit for first tome home buyers. You have about a month to get that offer in and to … (0 comments)

first time home buyers: What to look for when buying a home "Helpful Hints" - 08/04/09 02:25 AM

 
 
When walking through the home you are thinking of buying for the first time, whether it's brand new or used, here are a few things to check.
Drywall - Make sure you check this well. Look for uneven bumps and texture; tape joints should not be visible. Look for marks made by doors
Paint - When checking the paint look for uneven coloring and chips caused during construction. Make sure your baseboard does not have and wall paint on it as well as wood handrails, counter tops, tubs, cabinets... etc. Look for any stains in the paint, especially … (0 comments)

first time home buyers: 2 Things to Avoid If You’re A Home Buyer - 06/24/09 06:11 AM
 
2 Things to Avoid If You’re A Home Buyer Are you a looking to purchase a home sometime soon?
If so, there are a couple of things you should avoid when you enter the home buying process. And if you aren’t careful to avoid them it is possible that your closing will be delayed or even canceled. Your adherence to the following will put the keys to the house in your hands quickly.
First, don’t damage your debt to income ratio by making a major purchase before closing. If you decide you can’t live without that brand new … (1 comments)

 
Scott Larson, SRES (First Weber Hedeman Group )

Scott Larson

SRES

Monroe, WI

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First Weber Hedeman Group

Office: (608) 214-9844

Fax: (608) 325-5301

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