towne square realty: Jack Frost - 01/25/10 08:37 AM

Jack Frost was visiting my area the other day.
 
 
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 to my land of cows and plows and visit for a day, but stay for a lifetime
608-2124-9844 Direct
 
 
 
… (10 comments)

towne square realty: This is what Sellers love to see a "Pre-approval" letter - 01/22/10 02:13 AM
 
Pre-approval Letter A pre-approval letter, is harder to obtain, but gets the tumbs up from sellers. The home buyer will go through the actual approval process including, but not limited to, credit checks, debt to income ratio surveys and verification of down payment. The pre-approval letter does state that the bank has made a preliminary approval of the loan and is willing to complete the loan process in order to finalize the sale. The pre-approval letter does not, however, lend a definitive answer as to whether the sale will go through. Before a final sale, the buyer will again have … (0 comments)

towne square realty: What is a Pre-qualification Letter? - 01/21/10 04:24 AM
 
Pre-qualification Letter A pre-qualification letter is one of the easiest documents to obtain from a lender. The prospective buyer will set an appointment with a bank. At the appointment, the loan officer will ask simple questions about income, debt and savings. The answers to these questions will render a quote, of sorts, as to how much the buyer can afford to spend. There will be no verification of income or credit worthiness checked during this appointment. The pre-qualification letter in no way binds the bank to a loan for a home sale. On the contrary, there are actually clauses within … (2 comments)

towne square realty: Reason #4 to own a home from Scott Larson - 01/18/10 03:35 AM
 
#4 Morgage Reduction Builds Equity Each month, part of your monthly payment is applied to the principal balance of your loan, which reduces your obligation. The way amortization works, the principal portion of your principal and interest payment increases slightly every month. It is lowest on your first payment and highest on your last payment. On average, each $100,000 of a mortgage will reduce in balance the first year by about $500 in principal, bringing that balance at the end of your first 12 months to $99,500.
 
 
 
From Scott Larson of Towne Square Realty in Monroe, Wisconsin
… (1 comments)

towne square realty: What is this????? Photo of the Day - 01/18/10 03:18 AM

Ok, all you professional Realtors what is this???
 
 
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 will be surprised how affordable the Dairyland is,
so come to my land of cows and plows and visit for a day, but stay for a lifetime
608-2124-9844 Direct
 
 
… (10 comments)

towne square realty: Is your interest deductible? Reason #3 for Home Ownership - 01/16/10 03:11 AM
Reason #3 for home ownership
Equity Loans  
Consumers who carry credit card balances cannot deduct the interest paid, which can cost as much as 22%. Equity loan interest is often much less and it is deductible. For many home owners, it makes sense to pay off this kind of debt with a home equity loan.  Consumers can borrow against a home's equity for a variety of reasons such as home improvement, college, medical or starting a new business.Not that more debt is a good thing , but being smart about debt is.
 
 
From Scott Larson of Towne … (0 comments)

towne square realty: Call the Moving Truck we found HOME - 01/15/10 03:54 AM
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towne square realty: Reason#2 Why buy a Home! - 01/15/10 03:49 AM
 
Do you like paying higher taxes, then don't buy a home.
Mortgage Interest Deductions Home ownership is a excellent tax shelter and our tax rates favor homeowners. As long as your mortgage balance is smaller than the price of your home, mortgage interest is fully deductible on your tax return. Interest is the largest component of your mortgage payment.
 
 
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 will be surprised how affordable the Dairyland is,
so come to my … (0 comments)

towne square realty: Why Buy a House? - 01/14/10 05:19 AM
 
Did you Know?
 
Pride of ownership is the number one reason why people seek to own their home. It means you can paint the walls any color you desire (even Orange), turn up the volume on your stereo, attach permanent fixtures like moose heads and decorate your home according to your own taste, sorry Martha Stewart. Home ownership gives you and your family a sense of stability and security. It's making an investment in your future by something we call home.
 
 
From Scott Larson of Towne Square Realty in Monroe, Wisconsin
“Your Realtor of the Region”
E- … (2 comments)

towne square realty: Wordless Wednesday " 2010 Looking Up" - 01/13/10 01:32 AM

Looking up! What do you see looking up in 2010?
 
 
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 will be surprised how affordable the Dairyland is,
so come to my land of cows and plows and visit for a day, but stay for a lifetime
608-2124-9844 Direct
 
 
… (4 comments)

towne square realty: 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)

towne square realty: Live on the Upper level, rent the lower. 1/2 block to beautiful river - 01/11/10 05:47 AM
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towne square realty: Start Getting Ready to Move by Canning the Clutter - 01/06/10 04:44 AM
 
Start Getting Ready to Move
Pack Up Personal Things … Can the Clutter
When you have cleaned your home to prepare it for selling, clutter is the next project you should undertake.  As you walk through your home, immediately place personal things you wish to keep in moving boxes and label them. This accomplishes two things. One, it helps you stay ahead of all the packing you should do for your move. Second, it allows you to keep clutter at bay. Taking down alot of your personal item helps the buyer see the home as theirs not yours. One other … (0 comments)

towne square realty: What a Year - 12/30/09 02:08 AM
 
Good Morning Realtors
                Well 2009 has been one crazy ride. We’ve seen many historic events take place in the rate, stock, housing, and job markets. I hope those who’ve been struggling find better options in 2010 and for years to come. I wish you all a safe and Happy New Year!!! Let’s see 2010 bring our economy and country around for some growth and positive numbers. See you all next year fellow Activerainers!
 
 
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
… (0 comments)

towne square realty: With the New Year approaching What does a Realtor resolve to do? - 12/29/09 04:28 AM
What do I resolve to do???
 
More sales, More time with family & friends, More time given to serving the needs of others, More exercise, Tame bad habits????????
What is your resolution and the best tip you could pass along to your fellow agents?
 
 
 
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 will be surprised how affordable the Dairyland is,
so come to my land of cows and plows and visit for a day, but stay for a lifetime
… (2 comments)

towne square realty: Who is the guy in the red suit? - 12/22/09 04:29 AM

The youth group from our church and I went bell ringing for the Salvation Army this past Saturday at four different location in Monroe. Can you guess which one is me?
Spread the joy of the season!!!!!
 
 
 
 
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 will be surprised how affordable the Dairyland is,
so come to my land of cows and plows and visit for a day, but stay for a lifetime
608-2124-9844 Direct
… (3 comments)

towne square realty: What Is Series "What is early occupancy?" - 12/21/09 05:20 AM
 
What is early occupancy?
 
 It is the possession of a property by a buyer prior to the close on the property. It is used when the buyer’s home has already closed and needs housing, or the Buyer is waiting on financing approval. Both situations may use this contract provision. This is established by an agreement in the purchase contract. Early occupancy is considered a form of tenancy until the property actually closes.  Pre-conditions of such early occupancy include the payment of security deposits, executing the lease, and providing required insurance policies.
 
 
From Scott Larson of Towne … (0 comments)

towne square realty: Suspicious man found stuck in the snow - 12/18/09 01:21 AM
Suspicious man found stuck in snow
Who could he be?????????????????
 
 
 
 
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 will be surprised how affordable the Dairyland is,
so come to my land of cows and plows and visit for a day, but stay for a lifetime
608-2124-9844 Direct
 
… (9 comments)

towne square realty: What is series... VA Loans? from Scott Larson - 12/15/09 02:49 AM
 
What is a VA loan? Who qualifies? Banks and other private mortgage companies make a special type of home loan to veterans of the US Armed Services. A portion of each loan is guaranteed by the Veterans Administration (VA), and protects the lender's investment if the borrower defaults.
The guaranteed amount of a VA loan is called an entitlement. The current maximum entitlement for loans up to $144,000 is $36,000, with the exact figure determined by your loan amount. The maximum entitlement for VA home loans over $144,000 is $60,000. An entitlement is not a cash payment to you or … (0 comments)

towne square realty: #3 in the "What is" Series What is PMI? by Scott Larson - 12/07/09 03:24 AM
 
What is PMI?
With many personal budgets stretched to the limit and less money in savings, it is more difficult for first time home buyers to accumulate a traditional 20% down payment. Move-up buyers struggle to find down payment funds, too, especially if they haven't been in their current home long enough to see a significant increase in equity.
Private Mortgage Insurance One home buying aid that nearly everyone can use is Private Mortgage Insurance, or PMI. This special insurance protects the lender if you default on your home loan. It makes it possible for you to purchase a home … (1 comments)