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Fond du Lac : Real Estate Advice

  • All23
  • Local Info0
  • Home Buying8
  • Home Selling2
  • Market Conditions1

Activity 14
Mon Dec 31, 2012
Wayne Stockwell answered:
Try: Have a great new year!
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Wed Sep 19, 2012
Heath Perry answered:
Hi There...That is a great question. Trulia relies on each Broker (or company) to list their own properties on Trulia. Some do and some don't. It is also up to each individual agent to claim their listings on Trulia so that it gets associated with them. If you do not see your home on Trulia, then ask your agent that listed your home.

I can only speak on how First Weber does it, since I am a first Weber agent, but First Weber has a process where each home's listing is syndicated to Trulia. As the agent, I am then notified when Trulia has the home listed.

I hope that answers your question.
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Wed Sep 19, 2012
Heath Perry answered:
A great way to monitor homes for sale in a specific area is by having a Home Watch setup. You can do that for free at or a First Weber agent can set it up for you. Use the MAPIT feature to setup searches in specific streets and radius' to a certain area or street. ... more
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Wed May 16, 2012
Linda S. Cefalu answered:
Unfortunately, you cannot unless you are an agent. This is not a site for "for sale by owner".
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Mon Mar 12, 2012
Kevin Jones answered:
Typical open lines of credit for first time homebuyers would be ...a student loan, an active credit card, a car loan. The days of using alternative sources to establish credit are gone, in the past cell phone bill payment & utility bill payment proof would help to establish credibility for buyers, but now you need to show you can borrow or have the ability to borrow (credit cards) money and pay it back in a responsible , consistent , timely manner.

I would recommend opening a few different types of credit cards to establish open lines of credit , that way you don't create huge piles of debt on 1 card but can show you can manage multiple lines of credit, with a safety net for unforseen expenses to be placed on other credit accounts if needed, ultimately it helps to use or charge and pay off your credit card to build credit or use that same concept in the form of a loan for collateral like a car , a less costly idea would be to buy a different asset, that you do need, using credit,... like an ipad, computer or TV on in store charge acct. , just an example.

The shift in financing for home loans takes into consideration Debt to Income ratio's & credit scores, you may qualify for an in house arm adjustable rate mortgage which is amortized over 30 years.... fixed for 3 , 5 or 7 years... at a really low interest rate 3.5% or better in some cases, you would still be faced with PMI private mortage insurance until you establish 20% equity in the home. The average home owner in WI stays in their first home between 3 to 5 years so a 7 yr arm is a great way to go if you dont have established credit but do have a good debt to income ratio. Typically arms do require atleast a 5% downpayment. The knock on arms is that they balloon or their interest rate may increase in yr 8,9,10 etc if you havent refinanced by then into a conventional fixed rate mortgage.

The rule of thumb is that your house payment with taxes and insurance shouldnt exceed 30% of your gross income, that will help you to manage the new payment without stress. Best of luck!
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Sun Nov 11, 2012
Carlos Herrera answered:
In all honesty, your guess MAY just be as good as ours for the future conditions of the housing market. Many different factors can make a difference in a few years from now.

I really do think, however, that you have answered your own question and made some valid points for yourself about buying.

Prices are very low right now. I do think the market has began SOME stabilizing which doesn't necessarily mean that prices will jump up, but it doesn't mean that they will go any lower either. Mortgage rates aren't very high at all right now. Between that, home prices being low and the ability to buy with several low down payment programs, I don't see any reason not to buy. You already know that renting is quite possibly costing you more, and even if it was costing you the exact same amount, you're paying someone else's mortgage.

With rent vs. buying there are pro's and con's to each. You may not want to deal with big repairs and other issues that could arise from owning. Then again you may not want to deal with a landlord, changing rent rates, the potential of not getting a lease renewal the following year, etc.

In my opinion, I say go for it. Buy.
Get to a mortgage professional and see where you stand. See how much you qualify for and do some looking around at houses. This might give you a much better insight as to whether the market has what you are looking for right now, with what you can afford.

Best of Luck!
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Sat Dec 3, 2011
Jim Simms answered:
Do you have errors and omission insurance? Who do you hold accountable if you mess something up?

Thousands of closed real estate deals over decades and I can count on one hand the number of purchases that did not have at least one Realtor involved. My closing attorney told me they account for about 1% of her volume, way more than my percentage. However, she also told me that out of that total number 98% of those were between relatives. I thought that was very interesting. I have never heard anyone before break down a profile on a FSBO.

Most of the Realtors I chat with on a deep level confide they are not aggressive about working with FSBOs because they end up doing all of the work for half the money. Not saying that is right or wrong, just passing on what I have been told.
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Wed Nov 2, 2011
Jen Dittmann answered:
I saw you asked a question back in June that no one answered...I tried to do a search on 9th street and their were none listed that low. So either it has sold or is not available anymore. Let me know if you are still looking and would like me to look up any other properties for you! ... more
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Fri Jun 10, 2011
Carl Henker answered:
US Bank may be able to help, not a lot of lenders to choose from. If the property is owner occupied you may find a lender who can provide an FHA loan. With a 20% down payment on an owner occupied a Fannie Mae lender. These options assume on land and owner occupied. Investment and second homes are left to the Hard Money lenders. Good Luck ... more
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Fri Jun 10, 2011
Lori Koschnick answered:
Mary Kay,

Wells Fargo has won awards for being the leader in manufactured home loans. I'd give them a call and whomever currently holds the mortgage on the manufactured home if pre-existing.

You can usually expect to pay higher interest rates when financing a manufactured (what we used to call mobile) home.

Another key to successful financing is ensuring Buyer has obtained a Certificate of Compliance from a professional engineer and that the engineer has delivered said certificate to Buyer's homeowners insurance agent. (It's a "newer" HUD rule and can't be bypassed.)

Hope this helps!

Lori Koschnick
Newton, WI 53063
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Wed Nov 9, 2011
Duane Murphy answered:

Are you asking about the Appleton area or Fond du Lac ???

In the Appleton area we have the Fox River Mall. One of the two largest malls in the state.

The Fond du Lac area has the Forest Mall.

If you have any other questions that I can help you with please do not hesitate to contact me.

Best Regards!!

Duane Murphy
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Tue Mar 18, 2014
Beth Goethel answered:
Hi Andrea,

I would suggest that you start by contacting local Real Estate Companies and Banks to find out who they use and if there is a need for another Company in the area. I know many people who have started a successful business by doing a great job for a few people and building a strong referral base.

Good Luck!

Beth Goethel, Realtor
Bunbury & Associates
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Fri Nov 13, 2009
The Hagley Group answered:
I would contact a local real estate attorney to start.
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Sat Nov 29, 2008
Scott Godzyk answered:
You should make sure your tenant is well qualified and with goo dreferences. youshould make sure you have a goo dlease that will protect you. you should collect the first months rent and 1 month security deposit, the security should be paid in full, if a tenant cant pay the security in full how are they going to pay rent next month. make sure you do a walkthru with your tenant upon move in, take lots of pictures and even a video, have them sign a check in sheet that everything is in good order and repair. make sure you put the utilities in the tenants name BEFORE move in. good luck ... more
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