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Buying A Home | The Huemmer Home Team WI Top Real Estate Team Blog

Sunday, January 17, 2021   /   by Ryan Huemmer

Rock County Housing Market

Rock County Housing Market StatisticsDecember home sales in Rock County continue to surge due to record low mortgage interest rates and an inventory shortage. Rock County's median home price was $198,450 in December, which was up 20.64% from last December.This chart shows the median home values, month over month, for the previous 5 years. 2020 sales were higher every month based on the previous year and steadily continue to increase year over year.Rock County had 226 homes sold in December, which was up 37.80% from last December.Strong year-end sales further cementing the fact that the spring market was delayed several months due to the pandemic. We fully expect 2021 to start off sizzling and remain hot for the entire year. The total home sold for 2020 was 2,502 which was 3.56% higher than last year.To see all the single family, condo and multi-family properties for sale in Rock County click here.Do you want to know how much your home is worth? Click http://bit.ly/yourhomeval ...

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Thursday, January 14, 2021   /   by Ryan Huemmer

Jefferson County Housing Market

Housing statistics for Jefferson County, Wisconsin.

December home sales in Jefferson County continue to surge due to record low mortgage interest rates and an inventory shortage. Jefferson County's median home price was $234,000 in December, which was down 7.41% from last December.



This chart shows increased median home values, month over month, for the previous 5 years. Jefferson County is showing increased levels of appreciation and continued growth over the last 5 years.



Jefferson County had 101 homes sold in December which was up 7.44% from last December.



2020 home sales outpaced the previous 2 years year end sales. We fully expect 2021 home sales to grow as more buyers are being forced to look at smaller communities for affordability. Total home sales for 2020 was 1,349 which was 63 more than last year. That equates to a 4.90% increase from last year.  




Jefferson County days on the market is 48 days. Anything less than 5 months indicates ...

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Tuesday, January 12, 2021   /   by Ryan Huemmer

Dane County Housing Market | The Huemmer Home Team | Living in Madison, WI Area

Housing statistics for Dane County, Wisconsin.

December home sales in Dane County continue to surge due to record low mortgage interest rates and an inventory shortage. Dane County's median home price was $320,000 in December, which was up 10.34% from last December.



This chart shows increased median home values, month over month, for the previous 5 years. Dane County is showing super strong levels of appreciation with continued growth year over year too.



Dane County had 701 homes sold in December which was up 17.62% from last December.



2020 homes sold outpaced its previous year's month to month comparison for the last 5 months. Further cementing the fact that the spring market was delayed several months due to the pandemic. We fully expect this trend to continue right into 2021 and throughout the entire year. Total home sales for 2020 was 8,862 which was 634 more than last year. That equates to a 7.7% increase from last year.  




Dane County day ...

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Thursday, December 17, 2020   /   by Ryan Huemmer

You need to know your credit score | Home Buying Tips | Madison, WI Real Estate Agent

Want to buy a home……...you need to know your credit score.





Credit scores range from 300 to 850.


There are some free websites available where you can monitor and view your credit score.



www.AnnualCreditReport.com
www.Nerdwallet.com
www.CreditSesame.com
www.CreditKarma.com



Credit Karma offers an updated score every week and it doesn’t affect your credit score or count as an inquiry. You can see all your accounts and balances plus you can set-up alerts when there is a change to your credit profile. Like a new account.
 
Your credit score is a snapshot of your borrowing history and it’s truly the first indicator used to see what type of loan programs you qualify for.

Your score is built on 5 categories:
1. Payment History
2. Credit Utilization - meaning balance vs available credit limit
3. Length of Credit History
4. Credit Types - student loans, credit cards, car loans, mortgages
5. Recent Inquiries


You need a ...

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Wednesday, December 2, 2020   /   by Amber Huemmer

Down Payment Requirements | Home Buying Tips | The Huemmer Home Team | Madison, WI Realtor

Are you wanting to buy a home but you don’t have a lot of money saved for a down payment?



You don’t need 20% down to buy a home.

A conventional 30 year fixed requires as little as 3-5% down.

FHA loan only requires 3.5% down and allows for less than stellar credit.

WHEDA loan requires 3% down but you can piggyback a WHEDA second loan called Easy Close to lower or completely cover your down payment.

VA and USDA offer 0% down loans but come with some additional qualifying requirements in order to participate.

Get pre-approved for FREE with a local lender and discuss these options in greater detail to see which one is best for you and your situation. Also make sure to ask if they have any special in-house loans or down payment assistance programs.

The Huemmer Home Team has the KEYS to your home buying success. Let’s get you started today.

Amber Huemmer, Real Estate Agent
The Huemmer Home Team
RE/MAX Preferred
608-279-5424

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